本文關(guān)鍵詞： 農(nóng)村 養(yǎng)老保險 問題分析 對策研究 內(nèi)蒙古巴彥淖爾市　出處：《內(nèi)蒙古農(nóng)業(yè)大學》2014年碩士論文　論文類型：學位論文

【摘要】：現(xiàn)階段,我國全部人口中有超過一半都是農(nóng)村人口,受各種因素影響,一直以來,我國農(nóng)村養(yǎng)老保險始終沒有實現(xiàn)全覆蓋,很多農(nóng)民都沒有享受到應有保障。作為我國最早一批開展新農(nóng)保試點工作的地區(qū),內(nèi)蒙古巴彥淖爾市社會經(jīng)濟發(fā)展卻十分緩慢。盡管巴彥淖爾市農(nóng)村養(yǎng)老保險發(fā)展時間較長,但實踐過程中還存在很多不足之處,影響當?shù)厣鐣椭C穩(wěn)定。本文結(jié)合內(nèi)蒙古巴彥淖爾市農(nóng)村養(yǎng)老保險發(fā)展情況,探究我國農(nóng)村養(yǎng)老保險制度建設(shè)現(xiàn)狀,分析其中存在的問題及其原因所在,借鑒國外農(nóng)村養(yǎng)老保險發(fā)展成功經(jīng)驗,獲得一定啟發(fā)。在此基礎(chǔ)上,本研究立足于巴彥淖爾市當?shù)貙嶋H,提出具體建議措施,推動其農(nóng)村養(yǎng)老保險制度完善發(fā)展,努力實現(xiàn)構(gòu)建和諧社會目標,增強廣大農(nóng)民幸福感,促進社會主義物質(zhì)文明、精神文明協(xié)調(diào)可持續(xù)發(fā)展。這對于我國當前農(nóng)村養(yǎng)老保險制度建設(shè),實現(xiàn)農(nóng)保全覆蓋具有十分重要的指導意義。 本文由以下七個部分組成：一是緒論,全面介紹國內(nèi)外農(nóng)村養(yǎng)老保險研究情況,以及本研究的主要內(nèi)容、研究方法、研究背景、研究意義。二是農(nóng)村養(yǎng)老保險基本理論闡述,包括社會保險、社會保障和農(nóng)村養(yǎng)老保險三種理論概念,為本研究開展做好理論準備。三是介紹當前內(nèi)蒙古巴彥淖爾市農(nóng)村養(yǎng)老保險發(fā)展情況,探究其發(fā)展演變過程,比較分析傳統(tǒng)農(nóng)村養(yǎng)老保險制度和現(xiàn)行農(nóng)村養(yǎng)老保險制度。四是分析內(nèi)蒙古巴彥淖爾市農(nóng)村養(yǎng)老保險制度建設(shè)過程中存在的問題及其原因,其問題表現(xiàn)為：缺乏資金保障,融資手段單一；保險覆蓋范圍狹��；沒有形成穩(wěn)定制度體系,保障供給缺乏持續(xù)性；保險基金升值空問小,存在很大運營風險；法律保障機制不健全。而其原因歸結(jié)為以下幾點：①城鄉(xiāng)二元經(jīng)濟結(jié)構(gòu)影響；②人口老齡化；③傳統(tǒng)思想觀念束縛；④養(yǎng)老保障資金短缺；⑤經(jīng)濟條件落后；⑥政府沒有很好履行職能。五是介紹當前國外農(nóng)村養(yǎng)老保險制度建設(shè)成功經(jīng)驗,主要是德國、日本、瑞典三個國家的農(nóng)村養(yǎng)老保險制度,并獲得一些啟發(fā)：①養(yǎng)老保險制度建設(shè)要符合社會經(jīng)濟發(fā)展水平；②法律保障是養(yǎng)老保險實施的基礎(chǔ)；③形成科學完善的養(yǎng)老保險制度體系,滿足人們不同層次需求。六是提出具體建議措施,改革完善內(nèi)蒙古巴彥淖爾市農(nóng)村養(yǎng)老保險制度,包括：①打破城鄉(xiāng)二元經(jīng)濟結(jié)構(gòu),促進城鎮(zhèn)化發(fā)展；②完善家庭養(yǎng)老保險制度,更好應對人口老齡化趨勢；③積極宣傳普及,讓廣大農(nóng)民了解農(nóng)村養(yǎng)老保險；④政府要加大財政支持力度,科學有效管理保險基金；⑤鼓勵鄉(xiāng)鎮(zhèn)企業(yè)發(fā)展,為農(nóng)村養(yǎng)老保險提供良好經(jīng)濟基礎(chǔ)；⑥促進政府職能轉(zhuǎn)變優(yōu)化,提高政府公共服務水平,更好推行農(nóng)村養(yǎng)老保險制度。七是對全文內(nèi)容進行總結(jié)概括。
[Abstract]:At this stage, more than half of the total population in China is rural population, affected by various factors, China's rural old-age insurance has never achieved full coverage. Many farmers do not enjoy due protection. As the first batch of new rural insurance pilot work in China. Although the development of rural old-age insurance in Bayannur City of Inner Mongolia is very slow, there are still many deficiencies in the process of practice. This paper, combined with the development of rural old-age insurance in Bayan Nur City, Inner Mongolia, explores the current situation of rural old-age insurance system construction in China, and analyzes the existing problems and reasons. Draw lessons from the successful experience of the development of rural old-age insurance in foreign countries, get some inspiration. On this basis, this study based on the local reality of Bayan Nur City, put forward specific suggestions. Promote its rural old-age insurance system to improve the development, strive to achieve the goal of building a harmonious society, enhance the well-being of the majority of farmers, promote socialist material civilization. The coordinated and sustainable development of spiritual civilization is of great significance to the construction of rural old-age insurance system and the realization of agricultural preservation coverage. This paper is composed of the following seven parts: first, the introduction, a comprehensive introduction to the domestic and foreign rural endowment insurance research, as well as the main content of this study, research methods, research background. Second, the basic theory of rural old-age insurance, including social insurance, social security and rural old-age insurance three theoretical concepts. The third is to introduce the current development of rural endowment insurance in Bayan Nur, Inner Mongolia, and explore its evolution process. Compare and analyze the traditional rural old-age insurance system and the current rural old-age insurance system. Fourth, analyze the problems and reasons in the construction of rural old-age insurance system in Bayan Nur City, Inner Mongolia. Its problems are as follows: lack of fund guarantee and single financing means; Narrow coverage; There is no stable system, and the supply is short of sustainability; Insurance fund appreciation is small, there is a lot of operational risk; The legal protection mechanism is not perfect, and the reasons are as follows: 1. The influence of urban-rural dual economic structure; (2) population aging; (3) the bondage of traditional ideas; (4) shortage of pension funds; (5) backward economic conditions; The fifth is to introduce the successful experience of the construction of the rural old-age insurance system in foreign countries, mainly the rural old-age insurance system of Germany, Japan and Sweden. And get some inspiration: 1 pension insurance system construction should conform to the level of social and economic development; (2) legal protection is the basis for the implementation of old-age insurance; Third, form a scientific and perfect pension insurance system to meet the needs of people at different levels. Sixth, put forward specific measures to reform and improve the rural endowment insurance system in Bayannur, Inner Mongolia. Including: 1 to break the urban-rural dual economic structure and promote the development of urbanization; (2) perfecting the family old-age insurance system to better cope with the aging trend of the population; (3) actively propagating and popularizing rural old-age insurance; (4) the government should increase the financial support and manage the insurance fund scientifically and effectively; (5) encouraging the development of township enterprises and providing a sound economic base for rural old-age insurance; (6) to promote the transformation and optimization of government functions, to improve the level of government public service, and to better carry out the rural old-age insurance system.
【學位授予單位】：內(nèi)蒙古農(nóng)業(yè)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.67;F323.89

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