本文選題：城鄉(xiāng)居民基本養(yǎng)老保險 + 吉林省　； 參考：《東北師范大學》2014年碩士論文

【摘要】：隨著我國經濟結構的不斷升級以及新型城鎮(zhèn)化的有序推進，城鄉(xiāng)居民基本養(yǎng)老保險的發(fā)展進度也在逐漸加快。從2009年新型農村社會養(yǎng)老保險制度的實施到2011年城鎮(zhèn)居民社會養(yǎng)老保險制度的加入，，僅用了短短幾年的時間，兩項制度就基本實現了全覆蓋。2014年國務院下發(fā)文件將新型農村社會養(yǎng)老保險制度和城鎮(zhèn)居民社會養(yǎng)老保險制度進行整合，建立全國統(tǒng)一的城鄉(xiāng)居民基本養(yǎng)老保險制度。這一制度上的整合，不僅意味著城鄉(xiāng)居民可以享受平等的養(yǎng)老保障服務，而且也標志著我國邁出了統(tǒng)籌城鄉(xiāng)社會保障制度的第一步。在整合制度出臺之前，我國大多數省、市都將新型農村社會養(yǎng)老保險和城鎮(zhèn)居民社會養(yǎng)老保險一并實施，統(tǒng)稱為城鄉(xiāng)居民基本養(yǎng)老保險。雖然制度的覆蓋范圍不斷擴大，但是仍然存在很多問題。吉林省各地級市根據本地區(qū)的不同發(fā)展狀況制定了相應的城鄉(xiāng)居民基本養(yǎng)老保險制度試行辦法，雖然制度運行比較順利，但是在制度設計、基金運行、養(yǎng)老金待遇以及社保經辦服務方面仍然存在著很多問題。商業(yè)保險作為社會保障體系中的一部分，對于社會保險不僅有補充作用，同時還可以利用自身的管理優(yōu)勢經辦部分社會保險業(yè)務。這種城鄉(xiāng)居民基本養(yǎng)老保險商業(yè)化運行的方式存在著重要意義。 本文以城鄉(xiāng)居民基本養(yǎng)老保險為研究對象，首先闡述了我國城鄉(xiāng)居民基本養(yǎng)老保險的發(fā)展歷程及現狀。其次，結合對吉林省城鄉(xiāng)居民基本養(yǎng)老保險的實地調查所獲得的基礎數據，探究吉林省城鄉(xiāng)居民基本養(yǎng)老保險存在的主要問題。最后，以凱恩斯的社會福利思想、保險功能理論、社會支持理論以及民營化理論為理論基礎，通過借鑒國外社會養(yǎng)老保險的成功經驗，探尋商業(yè)保險經辦城鄉(xiāng)居民基本養(yǎng)老保險的可行性，并為吉林省城鄉(xiāng)居民基本養(yǎng)老保險商業(yè)化運行提出相應的對策建議。
[Abstract]:With the continuous upgrading of economic structure and the orderly promotion of new urbanization, the development of basic old-age insurance for urban and rural residents is also speeding up. From the implementation of the new rural social old-age insurance system in 2009 to the entry of the social old-age insurance system for urban residents in 2011, it took only a few years. In 2014, the State Council issued a document to integrate the new rural social old-age insurance system with the urban residents' social old-age insurance system and to establish a unified national basic old-age insurance system for urban and rural residents. The integration of this system not only means that urban and rural residents can enjoy equal old-age security services, but also marks the first step of the urban and rural social security system. Before the introduction of the integrated system, most provinces and cities of our country have implemented the new rural social old-age insurance and the urban residents' social old-age insurance together, collectively referred to as the basic old-age insurance for urban and rural residents. Although the scope of the system continues to expand, but there are still many problems. Each prefecture-level city in Jilin Province has formulated the corresponding trial measures for the basic old-age insurance system for urban and rural residents according to the different development conditions in the region. Although the system is running smoothly, it is still running in the system design and fund operation. Pension benefits and social security services there are still many problems. As a part of the social security system, commercial insurance can not only supplement the social insurance, but also make use of its management advantages to run part of the social insurance business. This kind of urban and rural residents basic endowment insurance commercial operation mode has important significance. In this paper, the basic old-age insurance for urban and rural residents as the research object, first of all, the development of basic pension insurance for urban and rural residents in China and the status quo. Secondly, combined with the basic data obtained from the field investigation of basic old-age insurance for urban and rural residents in Jilin Province, this paper explores the main problems of basic old-age insurance of urban and rural residents in Jilin Province. Finally, based on Keynes' social welfare theory, insurance function theory, social support theory and privatization theory, the successful experience of foreign social endowment insurance is used for reference. This paper explores the feasibility of commercial insurance to run basic old-age insurance for urban and rural residents, and puts forward corresponding countermeasures and suggestions for the commercial operation of basic old-age insurance for urban and rural residents in Jilin Province.
【學位授予單位】：東北師范大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.67

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