發(fā)布時(shí)間：2018-05-25 17:23

  本文選題：構(gòu)建 + 五支柱��； 參考：《華僑大學(xué)》2017年碩士論文

【摘要】：在社會(huì)保障制度里,最重要的一環(huán)就是養(yǎng)老保險(xiǎn)制度,養(yǎng)老保險(xiǎn)制度對(duì)國(guó)家和社會(huì)的平穩(wěn)發(fā)展非常重要。目前我國(guó)建立的是三支柱養(yǎng)老保險(xiǎn)體系,這一體系還不完善,我國(guó)的養(yǎng)老保險(xiǎn)制度改革仍然落后于世界先進(jìn)國(guó)家,改革任務(wù)依然繁重。將我國(guó)的養(yǎng)老保險(xiǎn)模式進(jìn)一步完善,是保證我國(guó)經(jīng)濟(jì)社會(huì)和諧穩(wěn)定發(fā)展以及人民生活幸福的重要先決條件。經(jīng)過(guò)長(zhǎng)期的論證研究,世界銀行的三支柱養(yǎng)老保險(xiǎn)模型已經(jīng)演變成了五支柱養(yǎng)老保險(xiǎn)模型。在三支柱的基礎(chǔ)上分別增加了零支柱和四支柱。零支柱是普享型的不用繳費(fèi)的國(guó)民年金;四支柱是非正式的家庭內(nèi)部的子女贍養(yǎng)以及經(jīng)濟(jì)資助。世界銀行五支柱養(yǎng)老保險(xiǎn)理論是本文的研究理論依據(jù),本文針對(duì)我國(guó)養(yǎng)老保險(xiǎn)制度在不斷發(fā)展以及改革過(guò)程中出現(xiàn)的諸多問(wèn)題和面臨的制度困境,提出我國(guó)具有構(gòu)建五支柱養(yǎng)老保險(xiǎn)模式的必要性和可行性,在梳理國(guó)內(nèi)外關(guān)于多支柱社會(huì)養(yǎng)老保險(xiǎn)模式研究成果的基礎(chǔ)上,進(jìn)一步分析得出構(gòu)建符合我國(guó)國(guó)情的五支柱養(yǎng)老保險(xiǎn)制度的制度框架。本文的研究結(jié)論提出中國(guó)應(yīng)該實(shí)現(xiàn)從三支柱到五支柱養(yǎng)老保險(xiǎn)模式的制度變遷。我國(guó)將通過(guò)五支柱養(yǎng)老保險(xiǎn)模式的構(gòu)建,建立起能夠適應(yīng)各種水平的防范老年貧困風(fēng)險(xiǎn)的社會(huì)安全保障基本網(wǎng)。通過(guò)成功構(gòu)建五支柱養(yǎng)老保險(xiǎn)模式,我國(guó)的養(yǎng)老保險(xiǎn)各個(gè)支柱之間的功能劃分會(huì)更加明確,各支柱責(zé)任也更為合理,共同構(gòu)成兼顧效率與公平、可持續(xù)發(fā)展的養(yǎng)老保險(xiǎn)體系。
[Abstract]:In the social security system, the most important part is the old-age insurance system, which is very important to the steady development of the country and society. At present, our country has established a three-pillar old-age insurance system, which is not perfect. The reform of our country's old-age insurance system still lags behind the advanced countries in the world, and the reform task is still heavy. It is an important prerequisite for ensuring the harmonious and stable development of our country's economy and society and the people's life happiness to perfect our country's old-age insurance mode further. After a long-term study, the three-pillar pension insurance model of the World Bank has evolved into a five-pillar pension insurance model. Zero and four pillars are added to the three pillars respectively. The zero pillar is a universal non-contributory national annuity; the four pillars are child support and financial assistance within an informal family. The five-pillar pension insurance theory of the World Bank is the theoretical basis of this paper. This paper aims at the problems and difficulties in the process of the development and reform of the pension insurance system in China. This paper puts forward the necessity and feasibility of constructing a five-pillar old-age insurance model in our country, and on the basis of combing the research results of multi-pillar social old-age insurance model at home and abroad, The system frame of the five-pillar pension insurance system in accordance with the national conditions of our country is obtained by further analysis. The conclusion of this paper is that China should realize the institutional changes from three pillars to five pillars. Through the construction of the five pillar old-age insurance model, China will set up a basic network of social security which can adapt to various levels to prevent the risk of old age poverty. Through the successful construction of the five-pillar old-age insurance model, the functional division of each pillar of the pension insurance in China will be more clear, and the responsibility of each pillar will be more reasonable, which together constitute an old-age insurance system that takes into account efficiency and fairness and sustainable development.
【學(xué)位授予單位】：華僑大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F842.67

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