黑龙江省城镇职工养老保险待遇水平失衡研究

发布时间：2018-05-25 05:01

本文选题：城镇职工 + 养老保险　；参考：《哈尔滨商业大学》2017年硕士论文

【摘要】：我国的养老保险制度体系经过二十余年的发展,养老保险制度的改革成果非常的显著,科学的调整机制逐步完善,拥有不断扩大的养老保险覆盖面,逐步提高的养老保险待遇水平,符合中国国情的统账结合的养老保险制度逐渐形成了。通过不同方式逐渐形成了成熟的筹资机制,不仅使离退休人员的基本生活水平得到了保证,还为建立健全完善的社会保障制度奠定了基础。但由于经济、政治、社会、和文化等多方面因素的影响,城镇职工养老保险发展出现"不平衡"的趋势。企业退休人员的养老保险待遇水平虽然在持续调整,但是很多有关养老保险待遇水平失衡和发展不平衡等问题表现的尤为明显。养老保险待遇水平的调整没有正常化和规范化,使城镇职工养老保险待遇水平表现出失衡的状态。所以,注重城镇职工养老保险待遇水平研究,使养老保险待遇水平趋近平衡,具有现实意义和实践意义。研究我国养老保险制度差异的文章有许多,但对城镇职工养老保险待遇水平失衡进行全面分析的文章却寥寥无几。本文把这方面作为创新点,根据社会保障理论知识,从社会保障学、管理学和社会学等多方面角度入手,采用定性等多种方法,系统分析黑龙江省城镇职工养老保险待遇水平的现状、出现的问题和待遇形成的原因。本文认为,应当坚持平衡城镇职工养老保险待遇水平的原则、国家责任与利用市场规律的原则、社会保障水平与经济发展水平相适应的原则、体现公平为主兼顾效率的原则和体现社会成员共享经济增长成果的原则。最后,提出有指导性的政策建议,使养老保险制度体系多支柱发展、机关事业单位养老保险制度改革稳步进行、使企业补充养老保险制度快速发展和加大财政投入力度逐步弥补损失,从而平衡城镇职工养老保险的待遇水平。通过分析黑龙江省养老保险待遇水平,形成较完整的养老保险制度体系和养老保险待遇水平调整机制,既允许合理差异的存在,又要兼顾效率与公平,对于发展我国社会保障理论体系有很大作用。
[Abstract]:After more than 20 years of development, China's endowment insurance system has achieved remarkable results in the reform of the old-age insurance system. The scientific adjustment mechanism has been gradually improved, and the coverage of the pension insurance has been continuously expanded. Gradually raising the level of pension insurance treatment, in line with China's national conditions, the combination of pension insurance system gradually formed. The mature financing mechanism is gradually formed in different ways, which not only guarantees the basic living standard of retired people, but also lays a foundation for the establishment of a sound and perfect social security system. However, due to the influence of economy, politics, society, culture and so on, the development of urban workers' endowment insurance appears the trend of "imbalance". Although the pension insurance treatment level of the enterprise retiree is continuously adjusting, many problems such as the imbalance of pension insurance treatment level and the imbalance of the development of the pension insurance treatment level are especially obvious. The adjustment of old-age insurance treatment level does not normalize and standardize, so that the level of urban workers' pension insurance treatment shows a state of imbalance. Therefore, it is of practical and practical significance to pay attention to the research on the level of pension insurance treatment of urban workers and make the level of pension insurance pay close to balance. There are many articles to study the differences of pension insurance system in China, but there are few articles on the comprehensive analysis of the imbalance of pension insurance treatment level of urban workers. This article regards this aspect as the innovation point, according to the social security theory knowledge, from the social security science, the management science and the sociology and so on many aspects angle, uses the qualitative and so on many kinds of methods. This paper systematically analyzes the status quo, problems and causes of the pension insurance treatment of urban workers in Heilongjiang province. This paper holds that the principle of balancing the treatment level of urban workers' pension insurance, the principle of national responsibility and the principle of utilizing the laws of market, the principle that the level of social security is suitable to the level of economic development should be adhered to. It embodies the principle of fairness and efficiency and the principle of social members sharing the fruits of economic growth. Finally, some guiding policy suggestions are put forward to make the pension insurance system multi-pillar development, and the reform of the old-age insurance system in the organs and institutions is proceeding steadily. Make the enterprise supplement endowment insurance system develop rapidly and increase the financial input to make up for the loss step by step, so as to balance the treatment level of urban workers' pension insurance. By analyzing the level of pension insurance treatment in Heilongjiang Province, a more complete system of pension insurance system and adjustment mechanism of pension insurance treatment level are formed, which not only allow for the existence of reasonable differences, but also give consideration to efficiency and fairness. For the development of China's social security theory system has a great role.
【学位授予单位】：哈尔滨商业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.67

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