新型农村集体养老模式探究

发布时间：2018-03-22 11:00

本文选题：中国农村　切入点：养老保障　出处：《吉林财经大学》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,我国经济面临复杂的系统转型,出现经济增长动力的转换、结构的再平衡“新常态”趋势,使我国社会保障制度面临新的挑战和机遇。由于我国经济发展不平衡造成区域之间社会结构具有差异性,随着家庭养老功能的弱化和个人养老能力的不足,单纯依靠社会养老保险不能满足多元社会化养老需求,养老保障社会化成为必然趋势。除了传统的家庭养老之外,农村出现了机构养老、社区居家养老、农村互助养老、农村社会养老保险养老和商业保险养老等多元化养老模式。但我国农村养老正处于从家庭走向社会的过渡期,即农村养老的社会化时期,受到目前农村经济发展水平的制约,发展基础较为薄弱,养老保障社会化水平相对滞后,难以满足不断增长的多元养老保障社会化需求。提升中国农村养老保障水平,不仅事关我国应对人口老龄化的全局,而且事关国民经济和社会发展的大局。为解决当前中国农村养老需求增长与养老保障不足的矛盾,顺应养老保障社会化发展趋势,笔者提出在中国农村建立新型集体养老模式,建设“集养院”,采取“政府+子女+个人+社会”的筹资模式,坚持责任共担原则,形成综合自我养老、家庭养老、集体养老、国家养老和社会养老等多种养老功能的创新型农村居家养老模式,以实现农村养老可持续发展。并通过建立协作机制,大力发展其他社会化养老服务,敬老、养老、助老相结合,形成“自助+他助+互助”的综合养老机制,构建完善的农村养老保障体系,建立个人、集体、国家和社会各方责任充分共担的农村养老保障体系。
[Abstract]:In recent years, China's economy is facing a complex system transformation, with the change of economic growth power and the "new normal" trend of structural rebalancing. The social security system of our country is faced with new challenges and opportunities. Due to the imbalance of economic development in our country, there are differences in social structure among regions, with the weakening of family pension function and the deficiency of individual pension ability. Social old-age insurance alone can not meet the needs of multiple social pension, pension security socialization has become an inevitable trend. In addition to the traditional family pension, there are institutional pension in rural areas, community home pension, rural mutual support, Rural social old-age insurance and commercial insurance are in the transition period from family to society, that is, the socialization of rural old-age care, which is restricted by the current level of rural economic development. The foundation of development is relatively weak, the level of socialization of old-age security is relatively lagging behind, and it is difficult to meet the increasing demand for the socialization of multi-old-age security. Improving the level of old-age security in rural areas of China is not only related to the overall situation of China's response to the aging population. And related to the overall situation of national economy and social development. To build a "collective nursing home", to adopt the financing mode of "government children's individual society", to adhere to the principle of shared responsibility, to form comprehensive self-supporting, family old-age and collective old-age care. In order to realize the sustainable development of the rural old-age system, and to develop other socialized pension services, such as the national old-age pension and the social old-age pension, the innovative rural home-based old-age pension model can realize the sustainable development of the rural old-age support, and vigorously develop other socialized old-age care services. With the help of the elderly, the comprehensive pension mechanism of "self-help others help each other" is formed, and a perfect rural old-age security system is constructed, and a rural old-age security system with individual, collective, national and social responsibilities fully shared by all parties is established.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F323.89

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