本文選題：農(nóng)民工　切入點(diǎn)：養(yǎng)老保障　出處：《山東財(cái)經(jīng)大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：改革開(kāi)放以來(lái)，我國(guó)城市化發(fā)展取得了重大進(jìn)展，農(nóng)民工隊(duì)伍也不斷發(fā)展壯大，他們?yōu)槲覈?guó)由農(nóng)業(yè)化向工業(yè)化轉(zhuǎn)型做出了巨大貢獻(xiàn)，但其社會(huì)保障權(quán)益卻未得到應(yīng)有的維護(hù)。雖然，國(guó)家政策已規(guī)定把農(nóng)民工養(yǎng)老保險(xiǎn)納入到城鎮(zhèn)職工養(yǎng)老保險(xiǎn)體系中，但在具體實(shí)施過(guò)程中由于我國(guó)城鄉(xiāng)二元經(jīng)濟(jì)體制以及戶籍制度等因素的制約，根本無(wú)法享受與城鎮(zhèn)職工一樣的養(yǎng)老保險(xiǎn)待遇。本文在人口老齡化的背景下，提出應(yīng)系統(tǒng)地研究農(nóng)民工養(yǎng)老保險(xiǎn)問(wèn)題，把握正確的發(fā)展方向，從而切實(shí)維護(hù)農(nóng)民工群體的養(yǎng)老保障權(quán)益。 本文研究主要包括四大部分內(nèi)容。第一部分，即本文的第一章：導(dǎo)論。該部分主要介紹了本文的選題背景和研究意義，對(duì)國(guó)內(nèi)外學(xué)者的研究成果進(jìn)行歸納總結(jié)，闡述了本文的研究思路、研究方法以及創(chuàng)新點(diǎn)。第二部分，，即本文的第二章：農(nóng)民工養(yǎng)老保險(xiǎn)的理論基礎(chǔ)。該部分主要介紹了農(nóng)民工及其養(yǎng)老保險(xiǎn)的涵義以及農(nóng)民工養(yǎng)老保險(xiǎn)的主要理論依據(jù)。第三部分為本文的主體部分，包括第三至五章。第三章：山東省農(nóng)民工養(yǎng)老保險(xiǎn)存在問(wèn)題及其原因分析。該部分通過(guò)對(duì)山東省農(nóng)民工養(yǎng)老保險(xiǎn)的情況進(jìn)行實(shí)地調(diào)查，總結(jié)了山東省農(nóng)民工養(yǎng)老保險(xiǎn)存在的諸多問(wèn)題。這些問(wèn)題主要有：參保率較低而退保率卻比較高；養(yǎng)老保險(xiǎn)的覆蓋范圍窄；異地轉(zhuǎn)移接續(xù)困難；缺乏統(tǒng)一的農(nóng)民工養(yǎng)老保險(xiǎn)法律法規(guī)；缺乏政府有效的財(cái)政支持等諸多現(xiàn)實(shí)問(wèn)題。分析了造成上述問(wèn)題的原因，這些原因主要有：農(nóng)民工收入較低且不穩(wěn)定，難以支付較高標(biāo)準(zhǔn)的養(yǎng)老保險(xiǎn)費(fèi)；企業(yè)為追求自身利益最大化不愿為農(nóng)民工繳納養(yǎng)老保險(xiǎn)費(fèi)；制度設(shè)計(jì)本身存在許多缺陷，使得農(nóng)民工養(yǎng)老保險(xiǎn)的健康發(fā)展缺少制度保障；政府責(zé)任缺失，造成農(nóng)民工養(yǎng)老保險(xiǎn)的發(fā)展缺少必要的資金支持。第四章：各地區(qū)農(nóng)民工養(yǎng)老保險(xiǎn)的經(jīng)驗(yàn)及啟示。該部分通過(guò)介紹國(guó)內(nèi)出現(xiàn)的三種農(nóng)民工養(yǎng)老保險(xiǎn)模式，提出完善山東省農(nóng)民工養(yǎng)老保險(xiǎn)的啟示。第五章：完善山東省農(nóng)民工養(yǎng)老保險(xiǎn)的對(duì)策建議。該部分提出相應(yīng)的完善措施，這些措施主要有：明確政府的主體地位，承擔(dān)起完善各項(xiàng)制度及資金保障的責(zé)任；企業(yè)和個(gè)人積極履行各自的繳費(fèi)義務(wù)；拓寬養(yǎng)老保險(xiǎn)覆蓋面；建立多層次繳費(fèi)基數(shù)，靈活繳費(fèi)方式；建立健全農(nóng)民工養(yǎng)老保險(xiǎn)異地轉(zhuǎn)移機(jī)制等。第四部分，即本文的第六章，也是本文的結(jié)論部分，包括全文總結(jié)、不足與展望。 本文的創(chuàng)新點(diǎn)在于通過(guò)發(fā)放問(wèn)卷進(jìn)行實(shí)地調(diào)查，對(duì)山東省農(nóng)民工養(yǎng)老保險(xiǎn)問(wèn)題進(jìn)行了實(shí)證分析，加之對(duì)國(guó)內(nèi)出現(xiàn)的典型農(nóng)民工養(yǎng)老保險(xiǎn)模式的系統(tǒng)介紹，總結(jié)其各自的優(yōu)缺點(diǎn)，提出了較為科學(xué)和具有針對(duì)性的對(duì)策建議。
[Abstract]:Since the reform and opening up, great progress has been made in the development of urbanization in China, and the ranks of migrant workers have also been growing. They have made great contributions to the transition from agriculture to industrialization in our country. However, their social security rights and interests have not been properly safeguarded. Although the state policy has stipulated that the old-age insurance for migrant workers should be incorporated into the old-age insurance system for urban workers, However, due to the restriction of the dual economic system of urban and rural areas and the household registration system in China, it is simply impossible to enjoy the same old-age insurance treatment as urban workers. It is suggested that the problem of rural migrant workers' old-age insurance should be studied systematically and the correct direction of development should be grasped so as to safeguard the rights and interests of migrant workers' pension security. This paper mainly includes four parts. The first part, the first chapter of this paper: introduction. This part mainly introduces the background and significance of this paper, summarizes the research results of domestic and foreign scholars. This paper describes the research ideas, research methods and innovative points. The second part, This part mainly introduces the meaning of migrant workers and their pension insurance and the main theoretical basis of migrant workers pension insurance. The third part is the main part of this article. Including the third to fifth chapters. Chapter III: Shandong Province migrant workers pension insurance problems and their causes. This part through the Shandong Province migrant workers pension insurance situation field investigation, This paper summarizes the problems existing in the old-age insurance of migrant workers in Shandong Province. These problems mainly include: low rate of participation and high rate of withdrawal; narrow coverage of old-age insurance; difficulty in transferring from place to place; The lack of uniform laws and regulations on the pension insurance of migrant workers, the lack of effective financial support from the government, and many other practical problems. The reasons for the above problems are analyzed. These reasons include: low and unstable income of migrant workers, It is difficult to pay higher standard endowment insurance premium; enterprises are unwilling to pay endowment insurance premium for migrant workers in order to maximize their own interests; there are many defects in the system design itself, which makes the healthy development of rural migrant workers pension insurance lack of institutional protection. The lack of government responsibility leads to the lack of necessary financial support for the development of rural migrant workers' endowment insurance. Chapter 4th: the experience and enlightenment of rural migrant workers' pension insurance in various regions. Chapter 5th: the countermeasures and suggestions to improve the endowment insurance of migrant workers in Shandong Province. This part puts forward the corresponding improvement measures, these measures include: clear the main position of the government, To assume the responsibility of perfecting the various systems and fund security; enterprises and individuals to actively fulfill their obligations to pay; broaden the coverage of pension insurance; establish a multi-level payment base, flexible payment methods; The 4th part, which is the 6th chapter of this paper, is the conclusion of this paper, including the summary, deficiency and prospect. The innovation of this paper lies in the empirical analysis of the old-age insurance of migrant workers in Shandong Province through the field investigation of questionnaires, and the systematic introduction of the typical old-age insurance model of migrant workers in China. Their advantages and disadvantages are summarized, and scientific and targeted countermeasures and suggestions are put forward.
【學(xué)位授予單位】：山東財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F842.67;F323.6

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