【摘要】：新農(nóng)保制度的建立，對于完善農(nóng)村社會保障制度起到了重要作用，也是建設(shè)社會主義新農(nóng)村的重要環(huán)節(jié)。制度建立后，對于新農(nóng)保的研究也成為了熱點，但是大多數(shù)研究僅僅集中在制度設(shè)計的必要性和合理性，農(nóng)民個人賬戶繳費的承擔(dān)能力，以及財政補貼等方面，關(guān)于新農(nóng)保制度的優(yōu)化以及不斷調(diào)整方面并無多少建樹。本文將基于與新農(nóng)保繳費和給付相關(guān)的經(jīng)濟(jì)指標(biāo)，對新農(nóng)保繳費進(jìn)行適度分析，并對普惠制基礎(chǔ)養(yǎng)老金進(jìn)行指數(shù)化調(diào)整，從而使農(nóng)民隨經(jīng)濟(jì)發(fā)展繼續(xù)分享經(jīng)濟(jì)發(fā)展成果，從制度中獲得更大福利。而這也有利于中國新農(nóng)保制度的完善，促進(jìn)農(nóng)村養(yǎng)老問題的解決 本論文由五部分組成： 第一章對基本概念進(jìn)行了界定，并對相關(guān)理論作了簡單闡述。介紹了農(nóng)村社會養(yǎng)老保險、新農(nóng)保繳費和給付等相關(guān)概念，通過分析公共產(chǎn)品理論、絕對收入假說、生命周期理論、世代交疊模型，揭示出國家建立新型農(nóng)村社會養(yǎng)老保險制度的必要性。 第二章對與新農(nóng)保繳費和給付相關(guān)的經(jīng)濟(jì)指標(biāo)進(jìn)行了界定和預(yù)測。首先界定了與經(jīng)濟(jì)相關(guān)的一些指標(biāo)，例如農(nóng)村居民人均純收入、恩格爾系數(shù)、CPI、GDP等。之后又對下文所要涉及的一些經(jīng)濟(jì)指標(biāo)進(jìn)行的未來發(fā)展預(yù)測，例如GDP增長率、農(nóng)村居民人均純收入增長率、財政收入增長率、投資回報率等。 第三章從經(jīng)濟(jì)指標(biāo)入手，分別對基于人均純收入的個人賬戶養(yǎng)老金繳費水平進(jìn)行分析，以及基于財政收入的個人賬戶養(yǎng)老金的財政補貼狀況進(jìn)行分析。并在此基礎(chǔ)上對個人賬戶繳費的適度水平和政府財政補貼的適度水平進(jìn)行分析。 第四章同樣基于經(jīng)濟(jì)指標(biāo)，對基礎(chǔ)養(yǎng)老金建立指數(shù)化調(diào)整模型，并分別建立基于人均純收入、基于CPI以及基于人均純收入和CPI的調(diào)整模型，從而使得基礎(chǔ)養(yǎng)老金按照當(dāng)前經(jīng)濟(jì)發(fā)展進(jìn)行合理調(diào)配。除此之外，還通過保險精算建立個人賬戶養(yǎng)老金給付模型，對個人賬戶繳費的最終領(lǐng)取情況進(jìn)行測算分析。 第五章為本文的研究結(jié)論和建議，，提出進(jìn)一步完善新農(nóng)保制度設(shè)計，加強新農(nóng)保個人賬戶基金管理，提高保值增值能力，提高農(nóng)民負(fù)擔(dān)新農(nóng)保合理繳費的能力，合理分配不同省份各級財政補貼負(fù)擔(dān)比例，逐步推行城鄉(xiāng)養(yǎng)老保障體系一體化。
[Abstract]:The establishment of the new rural social security system plays an important role in perfecting the rural social security system and is also an important link in the construction of the new socialist countryside. After the establishment of the system, the research on the new rural insurance has also become a hot spot, but most of the studies only focus on the necessity and rationality of the system design, the affordability of the individual accounts of farmers, and the financial subsidies, etc. On the optimization of the new rural insurance system and continuous adjustment there are no many achievements. Based on the economic indicators related to the payment and payment of the new rural insurance, this paper makes a moderate analysis of the contribution of the new rural insurance, and indexed the basic pension of the GSP so as to enable the farmers to continue to share the fruits of economic development with the development of the economy. Get greater benefits from the system. This paper is composed of five parts: the first chapter defines the basic concepts and briefly expounds the relevant theories. This paper introduces the related concepts of rural social endowment insurance, new rural insurance payment and payment, and analyzes public goods theory, absolute income hypothesis, life cycle theory, overlapping model of generations, etc. It reveals the necessity of establishing a new rural social endowment insurance system. The second chapter defines and forecasts the economic indicators related to the payment and payment of new rural insurance. This paper first defines some indicators related to economy, such as the per capita net income of rural residents, the Engel's coefficient of GDP and so on. Then it forecasts the future development of some economic indicators, such as GDP growth rate, per capita net income growth rate of rural residents, fiscal income growth rate, return on investment and so on. The third chapter starts with economic indicators and analyzes the level of personal account pension contribution based on per capita net income and the financial subsidy status of personal account pension based on financial income. On this basis, the appropriate level of personal account payment and the appropriate level of government financial subsidies are analyzed. The fourth chapter also establishes the indexed adjustment model of basic pension based on economic indicators, and establishes adjustment models based on per capita net income, CPI and per capita net income and CPI, respectively. So that the basic pension in accordance with the current economic development reasonable allocation. In addition, the individual account pension payment model is established by actuarial insurance, and the final payment of personal account payment is calculated and analyzed. The fifth chapter is the conclusion and suggestion of this paper, and puts forward to further perfect the design of the new rural insurance system, strengthen the management of the new rural insurance personal account fund, improve the ability to maintain and increase the value of value, and improve the farmers' ability to pay the reasonable contributions of the new rural insurance. Reasonable distribution of different provinces at all levels of financial subsidy burden ratio, gradually promote the integration of urban and rural old-age security system.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F323.89;F842.67

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