我国五支柱养老保险模式构建研究

发布时间：2018-05-25 17:23

本文选题：构建 + 五支柱　；参考：《华侨大学》2017年硕士论文

【摘要】：在社会保障制度里,最重要的一环就是养老保险制度,养老保险制度对国家和社会的平稳发展非常重要。目前我国建立的是三支柱养老保险体系,这一体系还不完善,我国的养老保险制度改革仍然落后于世界先进国家,改革任务依然繁重。将我国的养老保险模式进一步完善,是保证我国经济社会和谐稳定发展以及人民生活幸福的重要先决条件。经过长期的论证研究,世界银行的三支柱养老保险模型已经演变成了五支柱养老保险模型。在三支柱的基础上分别增加了零支柱和四支柱。零支柱是普享型的不用缴费的国民年金;四支柱是非正式的家庭内部的子女赡养以及经济资助。世界银行五支柱养老保险理论是本文的研究理论依据,本文针对我国养老保险制度在不断发展以及改革过程中出现的诸多问题和面临的制度困境,提出我国具有构建五支柱养老保险模式的必要性和可行性,在梳理国内外关于多支柱社会养老保险模式研究成果的基础上,进一步分析得出构建符合我国国情的五支柱养老保险制度的制度框架。本文的研究结论提出中国应该实现从三支柱到五支柱养老保险模式的制度变迁。我国将通过五支柱养老保险模式的构建,建立起能够适应各种水平的防范老年贫困风险的社会安全保障基本网。通过成功构建五支柱养老保险模式,我国的养老保险各个支柱之间的功能划分会更加明确,各支柱责任也更为合理,共同构成兼顾效率与公平、可持续发展的养老保险体系。
[Abstract]:In the social security system, the most important part is the old-age insurance system, which is very important to the steady development of the country and society. At present, our country has established a three-pillar old-age insurance system, which is not perfect. The reform of our country's old-age insurance system still lags behind the advanced countries in the world, and the reform task is still heavy. It is an important prerequisite for ensuring the harmonious and stable development of our country's economy and society and the people's life happiness to perfect our country's old-age insurance mode further. After a long-term study, the three-pillar pension insurance model of the World Bank has evolved into a five-pillar pension insurance model. Zero and four pillars are added to the three pillars respectively. The zero pillar is a universal non-contributory national annuity; the four pillars are child support and financial assistance within an informal family. The five-pillar pension insurance theory of the World Bank is the theoretical basis of this paper. This paper aims at the problems and difficulties in the process of the development and reform of the pension insurance system in China. This paper puts forward the necessity and feasibility of constructing a five-pillar old-age insurance model in our country, and on the basis of combing the research results of multi-pillar social old-age insurance model at home and abroad, The system frame of the five-pillar pension insurance system in accordance with the national conditions of our country is obtained by further analysis. The conclusion of this paper is that China should realize the institutional changes from three pillars to five pillars. Through the construction of the five pillar old-age insurance model, China will set up a basic network of social security which can adapt to various levels to prevent the risk of old age poverty. Through the successful construction of the five-pillar old-age insurance model, the functional division of each pillar of the pension insurance in China will be more clear, and the responsibility of each pillar will be more reasonable, which together constitute an old-age insurance system that takes into account efficiency and fairness and sustainable development.
【学位授予单位】：华侨大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.67

【参考文献】