【摘要】：隨著農(nóng)村老齡社會(huì)的到來(lái)和經(jīng)濟(jì)的不斷增長(zhǎng)，養(yǎng)老問(wèn)題在眾多民生問(wèn)題中越來(lái)越突出。農(nóng)村的社會(huì)養(yǎng)老體系如果能得到逐步完善，農(nóng)民的社會(huì)養(yǎng)老保障水平能夠得到逐步提高，這對(duì)確保社會(huì)穩(wěn)定和加快經(jīng)濟(jì)快速發(fā)展意義深遠(yuǎn)。商業(yè)養(yǎng)老保險(xiǎn)對(duì)我國(guó)社會(huì)養(yǎng)老保障體系具有重要補(bǔ)充作用，它的發(fā)展對(duì)構(gòu)建我國(guó)社會(huì)養(yǎng)老保障體系也至關(guān)重要。商業(yè)養(yǎng)老保險(xiǎn)憑借它產(chǎn)品形式豐富、保障水平高、繳費(fèi)便利和投資收益高等優(yōu)點(diǎn)，恰好可以滿(mǎn)足農(nóng)村居民對(duì)社會(huì)養(yǎng)老保障多樣化和多層次的要求。所以需要加快開(kāi)展建立與完善新農(nóng)保和商業(yè)養(yǎng)老保險(xiǎn)的良性互動(dòng)機(jī)制的相關(guān)工作，確保商業(yè)養(yǎng)老保險(xiǎn)在養(yǎng)老保障體系建設(shè)中健康積極的發(fā)展。 本文著重提出商業(yè)養(yǎng)老保險(xiǎn)對(duì)社會(huì)養(yǎng)老保險(xiǎn)補(bǔ)充作用的基礎(chǔ)理論。第一,基于馬斯洛的需求理論,研究了是否存在老年人的養(yǎng)老需求及如何完善養(yǎng)老保障體系；第二,闡述了市場(chǎng)失控與政府緊急干預(yù)理論，以及公平與效率理論，展現(xiàn)了市場(chǎng)失靈時(shí),政府在公共利益分配中可以發(fā)揮的巨大支配作用，論證了政府干預(yù)對(duì)市場(chǎng)調(diào)節(jié)的不可或缺性和相關(guān)干預(yù)方法，也強(qiáng)調(diào)了政府干預(yù)的同時(shí)，，也出現(xiàn)政府失靈的情況。其次，本文也研究了我國(guó)新型農(nóng)村社會(huì)養(yǎng)老保險(xiǎn)與商業(yè)養(yǎng)老保險(xiǎn)發(fā)展現(xiàn)狀，并且闡述了影響商業(yè)保險(xiǎn)對(duì)農(nóng)村養(yǎng)老保險(xiǎn)補(bǔ)充作用的因素分析，以及分析了美國(guó)、智利、英國(guó)和德國(guó)四個(gè)國(guó)家農(nóng)村社會(huì)養(yǎng)老保險(xiǎn)與商業(yè)養(yǎng)老保險(xiǎn)互動(dòng)發(fā)展的模式。
[Abstract]:With the arrival of the aged society in rural areas and the continuous growth of economy, the problem of old-age care is becoming more and more prominent among the problems of people's livelihood. If the rural social old-age system can be gradually improved, the farmers' social pension security level can be gradually improved, which is of great significance to ensure social stability and speed up the rapid economic development. Commercial old-age insurance plays an important supplementary role in China's social old-age security system, and its development is also of vital importance to the construction of China's social old-age security system. Because of its rich product form, high security level, convenient payment and high investment income, commercial old-age insurance can meet the diversified and multi-level requirements of rural residents for social old-age security. Therefore, it is necessary to speed up the related work of establishing and perfecting the benign interactive mechanism between new agricultural insurance and commercial old-age insurance to ensure the healthy and positive development of commercial old-age insurance in the construction of the old-age security system. This paper puts forward the basic theory of the supplementary function of commercial old-age insurance to social endowment insurance. Firstly, based on Maslow's demand theory, this paper studies whether there is a need for the elderly and how to improve the old-age security system. Secondly, it expounds the theory of market out of control and government emergency intervention, as well as the theory of fairness and efficiency, which shows the great dominant role that the government can play in the distribution of public interests when the market fails. This paper demonstrates the indispensable and related intervention methods of government intervention to the market regulation, and emphasizes the government failure at the same time as the government intervention. Secondly, this paper also studies the current situation of the development of the new rural social endowment insurance and commercial endowment insurance in China, and expounds the factors influencing the complementary role of commercial insurance to rural endowment insurance, as well as the analysis of the United States, Chile, and the United States of America and Chile. The interactive development model of rural social old-age insurance and commercial old-age insurance in Britain and Germany.
【學(xué)位授予單位】：山西財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F323.89;F842.67

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本文編號(hào)：2444626