【摘要】：東莞市是珠江三角洲典型的中等城市,改革開放以來,全市已基本實(shí)現(xiàn)工業(yè)化。在全國(guó)社會(huì)保險(xiǎn)制度覆蓋群體過窄、覆蓋率較低的背景下,東莞卻憑借其強(qiáng)大的財(cái)政實(shí)力,在全國(guó)范圍內(nèi)率先建立覆蓋所有達(dá)到法定年齡而尚未參保的城鄉(xiāng)戶籍人口的農(nóng)(居)民養(yǎng)老保險(xiǎn)制度,從而構(gòu)建起以職工基本養(yǎng)老保險(xiǎn)、靈活就業(yè)人員養(yǎng)老保險(xiǎn)、農(nóng)(居)民基本養(yǎng)老保險(xiǎn)三大險(xiǎn)種組成的全覆蓋、多層次的養(yǎng)老保險(xiǎn)體系。近年來,東莞市基本養(yǎng)老保險(xiǎn)覆蓋范圍迅速擴(kuò)大,養(yǎng)老保險(xiǎn)基金規(guī)模不斷增加,企業(yè)退休職工養(yǎng)老金待遇水平逐步提高,養(yǎng)老金發(fā)放及退休人員管理實(shí)現(xiàn)社會(huì)化。東莞市養(yǎng)老保險(xiǎn)制度模式走在全國(guó)制度建設(shè)的前列,但在企業(yè)職工養(yǎng)老保險(xiǎn)方面,仍然存在一些問題:一是外來務(wù)工人員參保意識(shí)薄弱,且受到戶籍的限制,企業(yè)職工養(yǎng)老保險(xiǎn)參保率低;二是政策本身存在漏洞,由于政府在早期過于注重經(jīng)濟(jì)發(fā)展,在招商引資時(shí)給予較大的優(yōu)惠政策,導(dǎo)致早期來莞務(wù)工人員在社保方面存在歷史遺留問題急需解決;三是由于在養(yǎng)老金計(jì)發(fā)制度上存在一定的不合理性和不公平性,導(dǎo)致企業(yè)職工養(yǎng)老金發(fā)放的壓力越來越大,且難以可持續(xù)發(fā)展;四是在監(jiān)察執(zhí)法方面存在困難,難以保證效率和法律的嚴(yán)肅性。通過對(duì)上述問題進(jìn)行分析,結(jié)合東莞市企業(yè)職工養(yǎng)老保險(xiǎn)的實(shí)際情況,本文提出了幾點(diǎn)解決建議,一是通過信息公開,加強(qiáng)信息發(fā)布和政策解讀,提高東莞社保的公信力,強(qiáng)化企業(yè)的責(zé)任感,從而帶動(dòng)企業(yè)職工自覺參保的積極性;二是優(yōu)化企業(yè)職工養(yǎng)老保險(xiǎn)的政策,提高政策的合理性;三是提升養(yǎng)老保險(xiǎn)基金的增值能力,緩解企業(yè)職工養(yǎng)老金持續(xù)發(fā)放和連續(xù)增長(zhǎng)的壓力,四是提高社保監(jiān)察執(zhí)法能力,確保企業(yè)依法為職工參保,保障每一個(gè)企業(yè)職工的合法權(quán)益;五是健全企業(yè)退休人員社會(huì)化管理服務(wù)體系,滿足退休人員的需求,進(jìn)一步完善養(yǎng)老保險(xiǎn)體系。
[Abstract]:Dongguan is a typical medium-sized city in the Pearl River Delta. Since the reform and opening up, the city has basically realized industrialization. Under the background that the coverage of the national social insurance system is too narrow and the coverage rate is relatively low, Dongguan, by virtue of its strong financial strength, has taken the lead in establishing a rural (residential) pension insurance system covering all urban and rural registered urban and rural residents who have reached the legal age but has not yet participated in the insurance, thus constructing the basic old-age insurance for workers and the old-age insurance for flexible employed persons. Farmers (residents) basic old-age insurance composed of three types of full coverage, multi-level old-age insurance system. In recent years, the coverage of basic old-age insurance in Dongguan has expanded rapidly, the scale of pension insurance fund has been increasing, the level of pension treatment for retired employees has been gradually improved, and the pension payment and pension management have been socialized. Dongguan old-age insurance system mode is in the forefront of the national system construction, but there are still some problems in the enterprise employee old-age insurance: first, the migrant workers are weak in consciousness of participating in the insurance, and are restricted by household registration, and the participation rate of the enterprise employee's old-age insurance is low; Second, there are loopholes in the policy itself, because the government pays too much attention to economic development in the early stage and gives greater preferential policies when attracting investment, which leads to the problems left over from the history of the early migrant workers in social security, third, because of the unreasonable and unfair pension planning system, which leads to the increasing pressure on the pension payment of employees in enterprises, and it is difficult to develop sustainably. Fourth, there are difficulties in monitoring law enforcement, which is difficult to ensure efficiency and legal seriousness. Through the analysis of the above problems, combined with the actual situation of enterprise employee pension insurance in Dongguan City, this paper puts forward some suggestions to solve the problem, one is to improve the credibility of Dongguan social security and strengthen the sense of responsibility of enterprises through information disclosure, strengthen the credibility of Dongguan social security, so as to promote the enthusiasm of enterprise staff and workers to participate in insurance consciously, the other is to optimize the policy of enterprise staff and workers' pension insurance and improve the rationality of the policy. Third, improve the value-added ability of the pension fund, alleviate the pressure of continuous pension payment and continuous growth of enterprise workers, fourth, improve the ability of social security supervision and law enforcement, ensure that enterprises participate in insurance for employees according to law, and ensure the legitimate rights and interests of each enterprise staff and workers; fifth, improve the social management service system of enterprise retirees, meet the needs of retirees, and further improve the old-age insurance system.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F842.67

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本文編號(hào)：2509473