【摘要】：伴隨著社會經(jīng)濟的不斷發(fā)展，經(jīng)濟結(jié)構(gòu)的變化以及人民社會保障意識的增強，二元分割的社會保障制度已經(jīng)越來越不適應(yīng)社會經(jīng)濟的發(fā)展需求，消除居民養(yǎng)老保障的城鄉(xiāng)二元分割狀態(tài)，實現(xiàn)城鄉(xiāng)一體化的養(yǎng)老保險制度的呼聲日趨強烈。實現(xiàn)城鄉(xiāng)一體化成為國家的重要政策，城鄉(xiāng)一體化社會保障制度由此也成為了理論工作者研究的熱門話題。構(gòu)建城鄉(xiāng)一體化居民社會養(yǎng)老保險制度對于緩解人口老齡化的嚴峻挑戰(zhàn)，破除二元結(jié)構(gòu)、建設(shè)現(xiàn)代化，構(gòu)建和諧社會都有重要意義。 本文運用特殊性與普遍性相結(jié)合的方法對萊蕪市城鄉(xiāng)一體化居民社會養(yǎng)老保險制度進行了分析，通過對萊蕪市城鄉(xiāng)一體化實施情況的個性分析總結(jié)出普遍性，總結(jié)了有利于全國推廣實施的經(jīng)驗。本文主要得出了以下主要結(jié)論： （1）城鄉(xiāng)一體化居民社會養(yǎng)老保險制度就是統(tǒng)籌城鄉(xiāng)，打破城鄉(xiāng)二元分割，無論是城鎮(zhèn)居民還是農(nóng)民，都納入統(tǒng)一的社會養(yǎng)老保險制度，從而使城鎮(zhèn)與農(nóng)村居民老年后得到基本生活保障的社會養(yǎng)老保險制度。實行城鄉(xiāng)一體化居民社會養(yǎng)老保險制度，有利于緩解人口老齡化的嚴峻挑戰(zhàn)，有利于破除二元結(jié)構(gòu)、建設(shè)現(xiàn)代化，有利于促進和諧社會的實現(xiàn)，因而是十分必要的。近些年來，我國經(jīng)濟、社會有了較快發(fā)展，國家和地方也出臺了一些城鄉(xiāng)一體化的政策，說明城鄉(xiāng)一體化居民社會養(yǎng)老保險制度具有了經(jīng)濟、社會及政策基礎(chǔ)，因而，，又是可行的。 （2）萊蕪市居民養(yǎng)老保險經(jīng)歷了三個階段：第一階段是萊蕪市新型農(nóng)村社會養(yǎng)老保險萌芽階段（2007年-2009年），第二階段是萊蕪市新型農(nóng)村社會養(yǎng)老保險制度發(fā)展階段（2009年-2011年），第三階段是萊蕪市城鄉(xiāng)一體化居民社會養(yǎng)老保險制度推行階段（2012年至今）。 （3）通過對萊蕪市城鄉(xiāng)一體化居民社會養(yǎng)老保險制度基金籌資機制、基金運營機制、養(yǎng)老金發(fā)放機制和管理機制等運行機制的分析，表明總體上能正常運行，產(chǎn)生了較好地社會效果。 （4）萊蕪市城鄉(xiāng)一體化居民社會養(yǎng)老保險制度建設(shè)取得了一定的成果，但也存在著規(guī)范性不夠、保障水平較低、基層管理軟硬件建設(shè)滯后影響工作效率等問題。產(chǎn)生這些問題的原因是多方面的，但歸納起來，主要有經(jīng)濟發(fā)展水平較低、政府支持不夠、參保居民文化素質(zhì)較低等原因。 （5）萊蕪市城鄉(xiāng)一體化居民社會養(yǎng)老保險制度優(yōu)化應(yīng)遵循的基本原則是：公平原則；與社會發(fā)展相適應(yīng)原則；普遍性與選擇性相結(jié)合原則；政府主導(dǎo)，社會參與原則。 （6）根據(jù)萊蕪市實際，實現(xiàn)萊蕪市城鄉(xiāng)一體化居民社會養(yǎng)老保險制度優(yōu)化應(yīng)采取以下基本措施：提高籌資標準與保障水平；打破居民的身份限制，建立養(yǎng)老保險全國統(tǒng)一的社會保障號碼；改革基金管理模式，提高養(yǎng)老基金的保值增能力；重視管理監(jiān)督，提升經(jīng)辦機構(gòu)服務(wù)水平，提高有效性。還應(yīng)做好立法、經(jīng)濟、社會及其他社會保障制度銜接等配套措施。
[Abstract]:With the continuous development of social economy, the change of economic structure and the enhancement of people's social security consciousness, the dual division of social security system has become increasingly inadaptable to the needs of social and economic development, eliminating the dual division of urban and rural residents'old-age security, and realizing the integration of urban and rural old-age insurance system is becoming increasingly strong. The integration of urban and rural areas has become an important policy of our country, and the integration of urban and rural social security system has become a hot topic of theoretical research. Righteousness.
This paper uses the method of combining particularity and universality to analyze the social endowment insurance system of urban-rural integration residents in Laiwu City. It summarizes the universality through the analysis of the individuality of the implementation of urban-rural integration in Laiwu City, and summarizes the experience conducive to the nationwide promotion and implementation.
(1) Urban-rural integration of social endowment insurance system is to balance urban and rural areas, break the urban-rural dual division, whether urban residents or farmers, are included in a unified social endowment insurance system, so that urban and rural residents get basic living security after old age social endowment insurance system. Insurance system is very necessary for alleviating the severe challenge of population aging, breaking the dual structure, building modernization and promoting the realization of a harmonious society. The social endowment insurance system has the economic, social and policy basis, so it is feasible.
(2) Laiwu residents'endowment insurance has gone through three stages: the first stage is the embryonic stage of the new rural social endowment insurance in Laiwu (2007-2009), the second stage is the development stage of the new rural social endowment insurance system in Laiwu (2009-2011), and the third stage is the integration of urban and rural residents' social endowment insurance system in Laiwu. Implementation phase (2012 to date).
(3) Through the analysis of the fund-raising mechanism, fund operation mechanism, pension-issuing mechanism and management mechanism of the social endowment insurance system for urban and rural residents in Laiwu City, the results show that it can operate normally and produce a better social effect.
(4) Laiwu city and countryside integration residents social endowment insurance system construction has made certain achievements, but there are still some problems, such as lack of standardization, low level of security, grass-roots management software and hardware construction lagging behind the work efficiency. Insufficient support and low cultural quality of insured residents.
(5) The basic principles to be followed in the optimization of the social endowment insurance system for urban and rural residents in Laiwu are: fairness principle; the principle of adapting to social development; the principle of combining universality and selectivity; the principle of government leading and social participation.
(6) According to the actual situation of Laiwu City, the following basic measures should be taken to optimize the social endowment insurance system for urban and rural residents in Laiwu City: to raise the financing standards and security level; to break the identity restrictions of residents, to establish a unified national social security number for endowment insurance; to reform the fund management model, and to increase the value and capacity of the pension fund We should also do a good job in legislation, economic, social and other social security system links and other supporting measures.
【學(xué)位授予單位】：山東農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F842.67

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