城乡社会保险转移衔接政策的分析与建议

发布时间：2018-05-24 20:14

本文选题：养老保险 + 医疗保险　；参考：《中国科学技术大学》2014年硕士论文

【摘要】：城镇化水平不断提高,随着我国城镇化进程的不断加快,我国城乡居民社会保险制度的全面实施,城乡养老保险和医疗保险实现全民覆盖。劳动力在城乡之间流量增大、速度加快,劳动力无论是在地域间流动还是身份的转换都已成为常态。对于城乡地区之间的社会保险关系转移问题仍然存在制度空缺。社会保险关系转移衔接中存在的诸多问题,直接影响了参保人员的保险权益,削弱了社会保险的保障功能,同时也限制了劳动力在城乡之间的自由流动和劳动力市场的发育。本文在研究了大量国内外社会保险制度方面的文献资料,以养老保险关系和医疗保险关系为例,结合各地实际的社会保险转移衔接的做法,首先对社会保险关系转移衔接的相关理论基础进行分析,对社会保险关系的发展与现状作了简要分析,概括了了城乡社会保险关系转移衔接的障碍,重点分析了我国城乡养老保险转移衔接中存在的主要问题：转移衔接的条件不对等,未能合理区分重复参保问题,新农保的缴费年限不能视同为职保缴费年限,职保的统筹基金不转移,医疗保险转移衔接中存在的问题：统一制度间的缴费年限不被认同,损害了参保人的医保权益,不同制度间的缴费年限难以转换,影响了参保人参保的积极性,统筹基金不转移导致了地区之间的权利义务的不平等,待遇衔接不畅,存在待遇空档等。借鉴了欧盟和美国在社会养老保险关系转移衔接的经验,我国地方政府也进行了有益的探索。分析了2014年2月27日人力资源与社会保障部发布的《城乡养老保险制度衔接暂行办法》相较于《城镇企业职工基本养老保险关系转移接续暂行办法》的重大突破：整合了三大社会养老保险关系,规范转移接续程序,明确养老保险关系转移的时点,禁止重复享受养老保险待遇。同时就城乡养老保险提出转移衔接的方法即分段计算相关的配套措施：努力提高经办效率,提高经办机构之间的协调能力,统一领取待遇的年龄与政策建议。提出了医疗保险转移转移衔接的对策建议：承认参保人在异地的职工医保缴费年限,正确处理参保人在新农合、城镇居民医保的缴费年限问题,妥善协调地区间的利益关系,实现医保待遇的无缝衔接,加快城乡医疗保险统筹的步伐
[Abstract]:With the development of urbanization in China, the social insurance system of urban and rural residents has been implemented in an all-round way, and the coverage of urban and rural old-age insurance and medical insurance has been realized. The flow of labor between urban and rural areas increases and the speed accelerates. There are still institutional gaps in the transfer of social insurance relations between urban and rural areas. Many problems in the transfer of social insurance relations directly affect the insurance rights and interests of the insured, weaken the function of social insurance, and also limit the free movement of labor force between urban and rural areas and the development of labor market. This paper studies a large number of documents on the social insurance system at home and abroad, taking the relationship between old-age insurance and medical insurance as an example, combined with the practice of social insurance transfer in various places. First of all, it analyzes the relevant theoretical basis of social insurance relationship transfer, briefly analyzes the development and current situation of social insurance relationship, and summarizes the obstacles to the transfer and convergence of urban and rural social insurance relations. This paper focuses on the analysis of the main problems existing in the transfer of urban and rural old-age insurance in China: the condition of transfer link is not equal, the problem of repeated participation in insurance cannot be reasonably distinguished, and the contributory years of new rural insurance cannot be regarded as the same as the contributory years of vocational insurance. The problems existing in the convergence of the transfer of medical insurance: the years of payment between the unified system are not recognized, the insurance rights and interests of the insured are damaged, and the years of payment between different systems are difficult to change. It affects the enthusiasm of the insured, and does not transfer the fund, which leads to the inequality of rights and obligations between regions, the poor convergence of treatment, the existence of treatment gap and so on. Drawing lessons from the experience of the transfer of the social endowment insurance relationship between the EU and the United States, the local governments of our country have also carried on the beneficial exploration. This paper analyzes the major breakthrough of the interim measures of linking Urban and Rural Old-age Insurance system, issued by the Ministry of Human Resources and Social Security on February 27, 2014, compared with the interim measures on the transfer of basic Endowment Insurance for employees in Urban Enterprises : the integration of three major social endowment insurance relationships, Standardize the procedure of transfer, define the timing of the transfer of the relationship between endowment insurance, and prohibit the repeated enjoyment of pension insurance treatment. At the same time, the paper puts forward the corresponding measures of transferring and linking urban and rural old-age insurance, that is, to improve the efficiency of operation, to improve the coordination ability between agencies, and to unify the age of receiving treatment and policy suggestions. This paper puts forward some countermeasures and suggestions for the linkage of medical insurance transfer: acknowledging the insured's years of medical insurance payment in different places, correctly handling the issue of the insured's contribution years in the new rural cooperation and urban residents' medical insurance, and properly coordinating the interests of the different regions. Realize the seamless connection of medical insurance treatment and quicken the pace of urban and rural medical insurance as a whole
【学位授予单位】：中国科学技术大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.182.3

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