乐清市农村社会养老保险现状与建议

发布时间：2018-04-20 01:40

本文选题：乐清市 + 养老保险　；参考：《南京农业大学》2013年硕士论文

【摘要】：养老保险能够保障好居民晚年基本生活,实现他们“老有所养”的愿望。享受养老保险待遇是每一位居民的基本权利,农村社会养老保险制度弥补和完善养老保障体系的短板和空裆,有利于消除贫困、维护社会和谐,但是由于诸多原因,使得部分农村居民不能享受或不能享受同等待遇的养老保障水平。建立城乡统筹、覆盖所有居民的养老保险制度是农民要求公平待遇心声的表现,已成为必然趋势。本文对乐清市养老保险现状进行了详细分析,提出了乐清市养老保障事业发展存在的问题,在借鉴其他地区统筹城乡养老保险的实践经验并分析乐清市农村社会养老保险制度问题存在原因的基础上,提出了乐清市统筹城乡养老保险的思路与方案。研究发现目前乐清市农村社会养老保险仍存在一些问题,例如倾向于家庭养老模式,养老问题严峻；认识不统一,农民对政策持怀疑观望态度；管理平台建设滞后,制度衔接不完善；养老金水平偏低；养老基金筹集存在缺陷；基金保值增值实现较难；基金的管理不够规范与完善等。这些问题成为阻碍农村社会养老保险发展的瓶颈,不利于保障农民的晚年生活。调查分析认为乐清市农村社会养老保险存在问题的原因有以下几点：农民的社会养老保险意识欠缺；软硬件设施不完善；政策法规不健全；经济落后致使养老金水平偏低；缺乏合理的筹资方式；基金管理制度不完善,责任缺失等。针对乐清市农村社会养老保险存在的问题及原因,在借鉴国内外成功经验的基础上,本文就如何更好完善乐清市农村社会养老保险提出对策：第一,通过拓宽宣传方式、印发宣传资料、开展讲座等方式增强农民参保意识。第二,通过加强社会养老保险的信息管理、建立双向信息沟通渠道、完善软硬件设施等措施,解决乐清市农村社会养老保险管理平台相对滞后的问题。第三,完善配套制度建设和衔接,以健全乐清市农村社会养老保险制度。第四,通过鼓励参保农民选择较高的档次标准缴费、长期缴费,并为参保人员缴费提供资助等措施,提高乐清市农民晚年养老金水平,增加增宽参保覆盖面。
[Abstract]:Endowment insurance can guarantee the basic life of residents in old age and realize their wish of "security of old age". It is the basic right of every resident to enjoy the treatment of old-age insurance. The rural social old-age insurance system can make up and perfect the short board and empty crotch of the old-age security system, which is conducive to eliminating poverty and maintaining social harmony, but for many reasons, Some rural residents can not enjoy or can not enjoy the same level of pension security. It is an inevitable trend to set up an endowment insurance system that covers all the residents, which is the expression of the farmers' desire for fair treatment. This paper makes a detailed analysis of the present situation of the old-age insurance in Yueqing, and puts forward the problems existing in the development of the old-age security in Yueqing. On the basis of drawing lessons from the practical experience of coordinating urban and rural old-age insurance in other regions and analyzing the causes of the problems existing in the rural social old-age insurance system in Yueqing City, this paper puts forward the train of thought and scheme of coordinating urban and rural old-age insurance in Yueqing City. The study found that there are still some problems in rural social old-age insurance in Yueqing City, such as the family pension model, the pension problem is severe; understanding is not uniform, farmers are sceptical about the policy; the construction of management platform is lagging behind. The system connection is not perfect; the pension level is low; the pension fund raises the flaw; the fund preserves and increases the value realization is difficult; the fund management is not enough standard and consummates and so on. These problems become the bottleneck that hinders the development of the rural social endowment insurance, and are not conducive to the protection of the peasants' life in their twilight years. The reasons for the problems in rural social old-age insurance in Yueqing City are as follows: lack of awareness of social old-age insurance of farmers, imperfect hardware and software facilities, imperfect policies and regulations, low level of pension due to economic backwardness; Lack of reasonable financing, fund management system is not perfect, lack of responsibility and so on. Aiming at the problems and reasons of rural social endowment insurance in Yueqing City, based on the successful experience at home and abroad, this paper puts forward some countermeasures on how to improve the rural social old-age insurance in Yueqing City. Print and publish propaganda material, carry out lectures and other ways to enhance farmers' awareness of participating in insurance. Second, through strengthening the information management of social endowment insurance, establishing two-way information communication channels, perfecting software and hardware facilities and other measures to solve the problem of Yueqing rural social pension insurance management platform lagging behind. Third, perfect supporting system construction and cohesion to improve Yueqing rural social endowment insurance system. Fourth, through encouraging participating farmers to choose higher grade standard payment, long-term payment, and to provide financial assistance for the insured, the level of old age pension of farmers in Yueqing City is improved, and the coverage of participating insurance is increased.
【学位授予单位】：南京农业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.67;F323.89

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