本文選題：社會養(yǎng)老保險　切入點：中低收入靈活就業(yè)人員　出處：《首都經濟貿易大學》2017年碩士論文　論文類型：學位論文

【摘要】：我國已步入社會和經濟轉型的關鍵時期,伴隨著新形勢的到來,我國的勞動力市場已經發(fā)生了巨大的改變,近年來,我國的靈活就業(yè)人員數量與日俱增,靈活就業(yè)已經成為除正規(guī)就業(yè)之外最重要的就業(yè)方式。越來越多的下崗人員,農村進城務工人員、失業(yè)人員和大學生選擇靈活的就業(yè)方式。就業(yè)是民生之本,是撬動人民幸福生活的支點,發(fā)展好就業(yè)工作是經濟和社會穩(wěn)定的前提條件。實踐證明,靈活就業(yè)人員為經濟的發(fā)展和社會的進步做出了非常積極的貢獻。雖然靈活就業(yè)這一群體數量日益增多,在很大程度上促進了我國經濟的發(fā)展和社會的進步,但由于他們往往處于弱勢地位,使得靈活就業(yè)人員的社會保障問題越來越凸顯。目前國家和各省市都相繼出臺了相關靈活就業(yè)人員參加養(yǎng)老保險的政策,在制度中對于如何參保都做了詳細的規(guī)定。但是靈活就業(yè)人員的參�，F(xiàn)狀仍然存在了很多問題,如參保意愿不強,參保率仍然偏低等。近幾年來,由于人均壽命的逐漸延長和年輕人口所占比重的減小,我國的人口老齡化進程正在明顯加快,如果不能妥善解決靈活就業(yè)群體的社會保障問題,今后必然會影響到我國社會保險基金的平穩(wěn)運行和可持續(xù)發(fā)展,給國家和社會造成負擔。因靈活就業(yè)人員參保行為的發(fā)生由其參保意愿直接決定,因此,如何提高靈活就業(yè)人員的養(yǎng)老保險參保意愿已經成為一個迫切需要解決的課題。本文主要研究北京市中低收入靈活就業(yè)人員的養(yǎng)老保險參保意愿問題。通過閱讀了國內外學者的大量文獻后,選擇北京市兩個城區(qū)(西城區(qū)、豐臺區(qū))的三個地點進行了社會養(yǎng)老保險參保意愿的問卷調查,對這兩個城區(qū)的中低收入靈活就業(yè)人員的養(yǎng)老保險參保情況進行實地調查研究,通過問卷調查與個案訪談相結合的方式,了解靈活就業(yè)人員的基本情況、對養(yǎng)老保險政策的熟悉程度、認知情況、滿意度、參保意愿以及未參保原因等,并分析影響他們參保意愿的因素,進而探究提出能夠提高中低收入靈活就業(yè)人員參保意愿的政策建議,為完善針對于北京市靈活就業(yè)人員的社會保險制度提供一些基礎和支持。在分析了影響參保意愿的因素的基礎上,我們探索著提出一些政策建議。第一,應采用法律制度來保障靈活就業(yè)人員的合法勞動權益,社保部門還應適當的對他們進行職業(yè)技術培訓,提高就業(yè)競爭力,進而提高收入水平。第二,增強養(yǎng)老保險政策的宣傳力度。政府或媒體應當加大宣傳力度讓靈活就業(yè)人員認識到社會養(yǎng)老保險的重要性和必要性,增強他們對養(yǎng)老保險的關注程度和參保意識,提高其參加養(yǎng)老保險的意愿和積極性,從而決定其參保行為。第三,增強養(yǎng)老保險轉移接續(xù)的靈活性,當靈活就業(yè)群體由于某種原因不能繼續(xù)基本養(yǎng)老保險的繳費時,養(yǎng)老保險制度應當能確保他們隨時繼續(xù)補繳養(yǎng)老保險費用的權利,同時其辦理轉移接續(xù)的流程應當簡明便捷、容易操作。第四,循序漸進的延長繳費年限,并稍微降低繳費比例。這種低水平并且長期的繳費方式,既能讓靈活就業(yè)人員為自己的老年生活積累起一筆養(yǎng)老金,又能讓養(yǎng)老保險基金長期的收支平衡。第五,強制實施單位和個人共同參保。針對企業(yè)來說,政府必須在法律上強制其為靈活就業(yè)人員參保,并給予用人單位補貼,確立強有力的監(jiān)督管理機制,來促使企業(yè)為靈活就業(yè)人員承擔應盡的義務。以上建議希望可以幫助提高北京市中低收入靈活就業(yè)人員養(yǎng)老保險的參保意愿,進而促進北京市社會保險制度的和諧發(fā)展,從而使我國的社會保障制度更加完善。
[Abstract]:Our country has entered a critical period of social and economic transformation, along with the arrival of the new situation, China's labor market has undergone tremendous changes, in recent years, the number of China's flexible employment and flexible employment has become grow with each passing day, in addition to regular employment outside the most important way of employment. More and more laid-off workers, rural migrant workers, unemployed workers and university students choose flexible employment. Employment is the people's livelihood, is the fulcrum leveraging a happy life for the people, the development of good employment is economic and social stability conditions. Practice has proved that the flexible employment has made a positive contribution to the economic development and social progress. Although flexible the employment of this group increased, largely promoted China's economic development and social progress, but because they are often in a weak position, the spirit of The social security problem of living employment is more and more prominent. At present the national various provinces and cities have introduced the relevant personnel to participate in the flexible employment pension insurance policy in the system for the insured to do the detailed provisions. But the insured status of flexible employment still exist many problems, such as the desire of participation is not strong, the participation rate is still low. In recent years, due to the reduced proportion life expectancy increases gradually and young population, the population aging process in China is significantly accelerated, if not properly solve of the flexible employment social security problems, the future will inevitably affect the smooth operation of the social insurance fund in our country and sustainable development, a burden to the state and society. Due to the occurrence of flexible employment insurance act by the insured will directly determine, therefore, how to improve the flexible employment pension insurance Willingness has become an urgent problem. Pension insurance will Beijing City, this paper mainly studies the problem of low-income flexible employment. Through reading a lot of literatures at home and abroad, choose a city in Beijing city (Xicheng District, Fengtai District) of the three sites conducted a survey of social pension insurance will, pension insurance of the two urban low-income flexible employment field research, through questionnaire investigation and case interview combination, understand the basic situation of flexible employment, the degree of familiarity with the endowment insurance policy cognition, satisfaction, willingness and uninsured reasons, and analysis the factors that influence their willingness to participate, and then explore the proposed to improve low-income flexible employment willingness to improve policy recommendations According to the Beijing municipal flexible employees social insurance system to provide some support and foundation. Based on the analysis of the factors affecting the willingness of the us to explore, put forward some policy suggestions. First, the legal system to protect the flexible employment of the legitimate labor rights, social security departments should carry out appropriate occupation technical training for them, to improve the employment competitiveness, and improve the level of income. Second, strengthen the endowment insurance policy propaganda. The government or the media should step up publicity efforts to make flexible employees aware of the importance and necessity of social endowment insurance of endowment insurance, increase their degree of attention and the insurance awareness, improve their willingness to participate in pension insurance and the enthusiasm, thus determine its insured behavior. Third, strengthen the endowment insurance transfer and continuation of flexibility, when the flexible employment groups for some reason To the basic old-age insurance payment, the endowment insurance system should be able to ensure that they continue to pay the pension costs at right, at the same time for the transfer and continuation of the process should be concise and convenient, easy to operate. Fourth, step by step to extend the payment period, and slightly reduce the proportion of payment. The low level and long term of payment, can to accumulate a flexible employment pension for their old age, and can let the pension insurance fund long-term balance. Fifth, enforcement units and individuals to the insured. For enterprises, the government must be in the law enforcement of the flexible employment insurance, and give the employer subsidies, the establishment of supervision and management strong, to encourage enterprises to undertake the obligation for flexible employment. These suggestions can help improve the Beijing City Low-income flexible employment The willingness to participate in the insurance of personnel endowment insurance promotes the harmonious development of the social insurance system in Beijing, thus making the social security system of our country more perfect.

【學位授予單位】：首都經濟貿易大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F842.67

【參考文獻】

相關期刊論文 前10條

1 陳曉慧;;城鎮(zhèn)靈活就業(yè)人員基本養(yǎng)老保險情況調查分析——以貴陽市為例[J];現(xiàn)代商貿工業(yè);2016年13期

2 楊曉雪;;農村“以地養(yǎng)老”模式存在的問題及其法律對策——基于河北省西多村的實證調查[J];法制博覽;2016年07期

3 王道遠;;如何做好小微企業(yè)貸款擔保的思考[J];商場現(xiàn)代化;2015年22期

4 劉斌;;我國小微企業(yè)融資的困境及對策探討[J];科技廣場;2015年06期

5 劉o，

本文編號：1617905