我国新型农村社会养老保险制度的适应性研究

发布时间：2018-03-09 19:40

本文选题：新农保　切入点：捆绑政策　出处：《兰州理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：人口老龄化已经成为当今世界面临的重大问题,中国社会在经济不发达、社会保障制度不完善的情况下提前进入老龄社会。我国的老龄化水平呈城乡倒置的局面,因此,建立和完善农村社会保障制度,尤其是农村社会养老保险制度不仅意义重大而且十分迫切。建立新农保制度是完善我国农村社会保障体系的重大部署,为了使新农保有尽可能好的适应性,2009年9月,新农保制度开始在我国10%的县展开试点,目前已在试点的基础上在全国推开,预计将在2020年之前达到全覆盖。因为新农保制度具有很强的福利性,所以一些学者断言适龄农民比较容易认可、接受和参加这一制度。但本文在实地调研、文献梳理和理论分析的基础上,得出了新农保制度的运行机制和组织框架都有待完善,其适应性还受到路径依赖、农村治理状况、农民对政府信任度等多种因素影响的结论。针对新农保试点阶段农民尤其是年轻农民参保率不高的现实,主流的主张是把新农保的“自愿参保”修改为“强制参保”,本研究在理论分析和实证分析的基础上,说明了这一思路的不可行；并就“自愿参保原则下如何提高新农保制度的适应性”提出了若干具有创新性的意见建议。本文分为六部分：第一章介绍选题的背景、意义和国内外文献研究综述；第二章回顾了我国农村养老保险制度发展的历程；第三章分析了我国新农保制度实施的现状,重点分析了新农保制度存在的现实需求和影响新农保制度适应性的因素；第四章是对我国新农保制度的总体评价,得出的结论是新农保总体上有较强的适应性,但也存在不少问题,除制度本身的因素外,新农保经办体系的建设状况和外部环境也会对其适应性产生影响；第五章提出了提高新农保制度适应性的思路和政策建议,主要包括应坚持自愿参保原则,不能简单地把新农保参保原则由“自愿参保”改为“强制参保”；要把完善激励机制作为提高新农保制度适应性的基础；取消新农保制度中的捆绑政策并实行退保自由以解决制度环境对新农保适应性的制约；同时应以购买服务为重点,重构新农保经办服务体系；最后总结全文得出结论。
[Abstract]:The aging of the population has become a major problem facing the world today. China's society has entered the aging society in advance under the condition of underdeveloped economy and imperfect social security system. The aging level of our country is inverted from the urban and rural areas, so, Establishing and perfecting the rural social security system, especially the rural social old-age insurance system, is not only of great significance but also very urgent. In order to keep the new farmers as adaptable as possible, in September 2009, the new rural insurance system began to pilot in 10% counties in our country. At present, the new rural insurance system has been introduced in the whole country on the basis of the pilot, and it is expected to reach full coverage by 2020. Because of the strong welfare nature of the new rural insurance system, some scholars assert that it is easier for farmers of appropriate age to accept and participate in the system. However, this paper is based on field research, literature review and theoretical analysis. It is concluded that the operating mechanism and organizational framework of the new rural insurance system need to be improved, its adaptability is also dependent on the path, and the rural governance situation, In view of the fact that the farmers, especially the young peasants, are not participating in the insurance in the pilot stage of the new rural insurance, The main idea is to change the "voluntary participation" of the new rural insurance to "compulsory participation". This study shows that this idea is not feasible on the basis of theoretical analysis and empirical analysis. Some innovative suggestions on how to improve the adaptability of the new rural insurance system under the principle of voluntary participation are put forward. This paper is divided into six parts: the first chapter introduces the background, significance and domestic and foreign literature review; the second chapter reviews the development of the rural old-age insurance system in China; the third chapter analyzes the status quo of the implementation of the new rural insurance system in China. Chapter 4th is the overall evaluation of the new rural insurance system in China, and the conclusion is that the new rural insurance system has a strong adaptability. However, there are still many problems. Besides the factors of the system itself, the construction situation and external environment of the new rural insurance system will also have an impact on its adaptability. Chapter 5th puts forward some ideas and policy suggestions for improving the adaptability of the new rural insurance system. We should adhere to the principle of voluntary participation in insurance, not simply change the principle of new rural insurance from "voluntary participation" to "compulsory participation", and take the improvement of incentive mechanism as the basis for improving the adaptability of the new rural insurance system. Canceling the binding policy in the new rural insurance system and carrying out the freedom to withdraw the protection to solve the restriction of the system environment to the adaptability of the new rural insurance; at the same time, we should focus on the purchase of services, reconstruct the new rural insurance agency service system; finally summarize the conclusion of the full text.
【学位授予单位】：兰州理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F323.89;F842.67

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