宝鸡市农村社会养老保险制度创新研究
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摘要
养老保险制度是社会保障体系的支柱性制度安排,往往决定着一同社会保障体系的成败。近年来,宝鸡市积极贯彻落实科学发展观,从农村群众最直接、最现实、最迫切的养老需求出发,立足实际,着眼长远,创新思路,大胆实践,在全省率先实施农村社会养老保险制度,促进了农村家庭内部和邻里之间的和睦相处,也使农民个人得到了实惠,符合全面协调可持续发展的基本要求。但是,宝鸡市农村社会养老保险制度还存在一些问题需要进一步创新改进。为了更好地落实党中央、国务院关于“加快推进以改善民生为重点的社会建设,建立农村社会养老保险制度”的要求,本文从社会养老保险基本理论入手,对宝鸡市农村社会养老保险制度从筹资模式、统筹层次、养老待遇、参保范围、基金管理等方面进行了深入剖析,提出了存在的缺陷和问题,并从比较创新的角度分析了西方国家和我国发达地区农村社会养老保险制度的经验。在此基础上提出了宝鸡市农村社会养老保险制度创新的制度设计、原则、框架和运作路径,同时对宝鸡市农村社会养老保险制度创新提出了对策建议。
本文的核心是宝鸡市农村社会养老保险制度创新的制度设计,即立足于“全覆盖、保基本、多层次、可持续”的理念,把当前的“简单型”统帐结合模式改造为“混合型”统帐结合模式。以此为支撑构建了新的农村社会养老保险制度框架,提出了相应的对策和建议。
本论文在结构上共分为五章:
第一章阐述了论文的研究背景、研究目的意义、思路和方法以及国内外研究现状。
第二章主要阐述了本文所涉及的基本概念和农村社会养老保险制度创新的相关理论。
第三章主要阐述了宝鸡市农村社会养老保险制度建设的基本情况,分析了取得的成效、特色和存在的主要缺陷。
第四章对德、法、日等西方国家和国内发达地区农村社会养老保险制度及其对宝鸡市创新农村养老保险制度的启示与经验进行了分析。在此基础上提出了创新思路、原则、制度框架和运作路径。
第五章提出了完善宝鸡市农村社会养老保险制度的政策建议,包括:建立农村社会养老保险制度长效机制;完善农村社会养老保险制的立法;最大限度实现养老基金保值增值;加大对特殊群体的保障力度;加强对养老保险基金的管理监督;建立高效的信息管理系统等。
The old-age insurance system is a pillar in social security system and it usually decides the success or failure of the system. In recent years, Baoji city actively carries out the ideas of scientific outlook on development. The government starts from the most direct, practical and urgent need of aged people in rural areas and carries out the social old-age insurance system in countryside at first in Shaanxi province. The policy helps people to get along with each other friendly among the families and neighbors and it also lets the peasants profit much. It meets the general need of comprehensive, balanced and sustainable development. But, there are still some problems to innovate and improve in the social old-age insurance system in Baoji rural areas. To better fulfill the demand of the Party Central Committee and the State Council to speed up the social construction which focuses on improving people’s lives and to build the social old-age insurance system in rural areas, the essay begins with the basic theory of the social old-age insurance, analyses deeply from the the financing mode, the overall planning, the ole-age benefit, the attending scope and the funds administration. The author puts forward the defects and problems and analyses the experiences of the system both in Western countries and China from a new point of view, on which he puts forward the design, principle, frame and running ways of the system in Baoji and offers advices on innovation of it.
The core of the essay is the innovation design for the social old-age insurrance system in Baoji rural areas. That is to say, to stick to the idea of the all standing, the basic guarantee, the multiple levels and the sustainability and to change the simple type of the currency accounting system to the mixed type. Based on the idea, a new system frame is built and corresponding ways and advices are offered. The essay contains five chapters.
The first chapter represents the background, the aim and significance,the thinking ways and the present condition of the study.
The 2nd chapter tells the basic concepts involved in the essay and some correponding theories of the system innovation.
The 3rd chapter is about the basic system construction institution in Baoji and analyses the achievements, characteristics and the defects.
The fourth chapter contains the old-age insurrance system in rural areas in German, France, Japanese and some other Western countries and in the developed areas in China and analyses its enlightenment and experiences on the system in Baoji. Based on it, new ideas, principles, system frame and running ways are offered.
The fifth chapter tells some policy advices on perfecting the system in Baoji. For example, we may build a long-acting relevant system, improve the legislation, realize the maximum value mantainance and increment, increase the ensure force on special groups, enhance the administration and supervision on old-age insurance funds and build efficient information administration system, etc..
本文的核心是宝鸡市农村社会养老保险制度创新的制度设计,即立足于“全覆盖、保基本、多层次、可持续”的理念,把当前的“简单型”统帐结合模式改造为“混合型”统帐结合模式。以此为支撑构建了新的农村社会养老保险制度框架,提出了相应的对策和建议。
本论文在结构上共分为五章:
第一章阐述了论文的研究背景、研究目的意义、思路和方法以及国内外研究现状。
第二章主要阐述了本文所涉及的基本概念和农村社会养老保险制度创新的相关理论。
第三章主要阐述了宝鸡市农村社会养老保险制度建设的基本情况,分析了取得的成效、特色和存在的主要缺陷。
第四章对德、法、日等西方国家和国内发达地区农村社会养老保险制度及其对宝鸡市创新农村养老保险制度的启示与经验进行了分析。在此基础上提出了创新思路、原则、制度框架和运作路径。
第五章提出了完善宝鸡市农村社会养老保险制度的政策建议,包括:建立农村社会养老保险制度长效机制;完善农村社会养老保险制的立法;最大限度实现养老基金保值增值;加大对特殊群体的保障力度;加强对养老保险基金的管理监督;建立高效的信息管理系统等。
The old-age insurance system is a pillar in social security system and it usually decides the success or failure of the system. In recent years, Baoji city actively carries out the ideas of scientific outlook on development. The government starts from the most direct, practical and urgent need of aged people in rural areas and carries out the social old-age insurance system in countryside at first in Shaanxi province. The policy helps people to get along with each other friendly among the families and neighbors and it also lets the peasants profit much. It meets the general need of comprehensive, balanced and sustainable development. But, there are still some problems to innovate and improve in the social old-age insurance system in Baoji rural areas. To better fulfill the demand of the Party Central Committee and the State Council to speed up the social construction which focuses on improving people’s lives and to build the social old-age insurance system in rural areas, the essay begins with the basic theory of the social old-age insurance, analyses deeply from the the financing mode, the overall planning, the ole-age benefit, the attending scope and the funds administration. The author puts forward the defects and problems and analyses the experiences of the system both in Western countries and China from a new point of view, on which he puts forward the design, principle, frame and running ways of the system in Baoji and offers advices on innovation of it.
The core of the essay is the innovation design for the social old-age insurrance system in Baoji rural areas. That is to say, to stick to the idea of the all standing, the basic guarantee, the multiple levels and the sustainability and to change the simple type of the currency accounting system to the mixed type. Based on the idea, a new system frame is built and corresponding ways and advices are offered. The essay contains five chapters.
The first chapter represents the background, the aim and significance,the thinking ways and the present condition of the study.
The 2nd chapter tells the basic concepts involved in the essay and some correponding theories of the system innovation.
The 3rd chapter is about the basic system construction institution in Baoji and analyses the achievements, characteristics and the defects.
The fourth chapter contains the old-age insurrance system in rural areas in German, France, Japanese and some other Western countries and in the developed areas in China and analyses its enlightenment and experiences on the system in Baoji. Based on it, new ideas, principles, system frame and running ways are offered.
The fifth chapter tells some policy advices on perfecting the system in Baoji. For example, we may build a long-acting relevant system, improve the legislation, realize the maximum value mantainance and increment, increase the ensure force on special groups, enhance the administration and supervision on old-age insurance funds and build efficient information administration system, etc..
引文
陈桂华,毛翠英. 2005.德日农民养老保险制度的比较与借鉴[J].理论探讨,(1)
杜建. 2004.浅谈农村社会养老保险基金的保值增值.中国农业会计
福建省农村社保及其方案研究课题组. 2004.农村社会养老保险制度创新,经济管理出版社
胡豹,王厚俊. 2006.国外农村社会养老保险制度模式与启示,仲恺农业技术学院学报,19(1):47—52,
胡星斗.中央一号文件与“三农”变法—在北京林业大学等地演讲综要,http://bbs.hankai。
霍尔斯特·杰格尔. 2000.社会保险入门—论及社会保障法的其他领域,中国法制出版社
柯淑娥. 2009.宏观经济管理教程,陕西人民出版社
李杰. 2007.应对老龄化挑战构建中国特色的农民养老保障体系,经济学动态,(6)
林毅夫. 1991.关于制度变迁的经济学理论:诱致性变迁与强制性变迁,财产权利与制度变迁[M],上海三联书店
林毓铭. 2006.社会保障管理体制,北京社会科学文献出版社
刘桂平. 1998.现行农村养老保险方案的优势和不足,人口与经济
吕学静. 2001.各国社会保障制度[M],北京经济管理出版社
吕学静. 2001.各国社会保障制度[M],北京经济管理出版社
彭建平. 2005.我国农村社会养老保险研究综述,湖南工程学院学报
青连斌. 2009.建立新型农村养老保险制度的有益尝试——对陕西省宝鸡市“新农保”试点的调查.理论视野人力资源和社会保障部. 2008. 400多万参保农民领养老金[DB/OL], http//www.ichinanet cn//Html/gl/2008/4-7/3755171322htm/
史柏年. 1999.中国社会养老保险制度研究,[M],北京经济出版社
汪柱旺. 2006.农村养老保险中的政府职责分析,软科学,第20卷第6期
王凯,雷丽. 2001.农村城市化进程中的养老保险制度化改革[J],财经科学
王贞琼. 2004.农村社会养老保险发展初探,企业经济
王贞琼. 2004.农村社会养老保险发展初探,企业经济
谢冬水. 2008.我国农村社会养老保险的制度变迁与创新分析,西安外事学院学报
徐瑞娥. 2008.中国农村社会养老保险制度研究综述,经济研究参考
阎小明. 2009.宝鸡市农村社会养老保险制度介绍.西部财会
阎小明. 2009.做好三道加法放大三个乘数率先实现“新农保”全覆盖.西部财会
阎小明. 2010.做好三道加法实现“新农保”全覆盖.中国财政
张红平. 2008.陕西宝鸡农村养老保险试点工作被誉为“宝鸡模式”,华商报
张琳,李兆仁. 2007.建立西部地区农村社会养老保险制度的思考,云南日报
张仕平等. 2005.建国以来农村老年保障的历史沿革、特点及成因,人口学刊
赵文贵、马小成. 2010.创新模式大胆试点全面推行新型农村社会养老保险.宝鸡社会科学
郑秉文. 2003.欧亚六国社会保障“名义账户”制利弊分析及其对中国的启示,世界经济与政治
郑秉文. 2003.养老保险“名义账户”制的制度渊源与理论基础,经济研究
郑功成. 2008.中国社会保障改革与发展战略,人民出版社
人民日报. 2008.中共中央关于推进农民改革发展若干重大问题的决定
钟仁耀. 2005.中国社会救助与社会福利,上海财经大学出版社
CarolinA.crabbe. 2005. A Quarter Century of Pension in Latin America and the Caribbean:Lessons Learned and Next Sreps,Inter-American Development Bank
杜建. 2004.浅谈农村社会养老保险基金的保值增值.中国农业会计
福建省农村社保及其方案研究课题组. 2004.农村社会养老保险制度创新,经济管理出版社
胡豹,王厚俊. 2006.国外农村社会养老保险制度模式与启示,仲恺农业技术学院学报,19(1):47—52,
胡星斗.中央一号文件与“三农”变法—在北京林业大学等地演讲综要,http://bbs.hankai。
霍尔斯特·杰格尔. 2000.社会保险入门—论及社会保障法的其他领域,中国法制出版社
柯淑娥. 2009.宏观经济管理教程,陕西人民出版社
李杰. 2007.应对老龄化挑战构建中国特色的农民养老保障体系,经济学动态,(6)
林毅夫. 1991.关于制度变迁的经济学理论:诱致性变迁与强制性变迁,财产权利与制度变迁[M],上海三联书店
林毓铭. 2006.社会保障管理体制,北京社会科学文献出版社
刘桂平. 1998.现行农村养老保险方案的优势和不足,人口与经济
吕学静. 2001.各国社会保障制度[M],北京经济管理出版社
吕学静. 2001.各国社会保障制度[M],北京经济管理出版社
彭建平. 2005.我国农村社会养老保险研究综述,湖南工程学院学报
青连斌. 2009.建立新型农村养老保险制度的有益尝试——对陕西省宝鸡市“新农保”试点的调查.理论视野人力资源和社会保障部. 2008. 400多万参保农民领养老金[DB/OL], http//www.ichinanet cn//Html/gl/2008/4-7/3755171322htm/
史柏年. 1999.中国社会养老保险制度研究,[M],北京经济出版社
汪柱旺. 2006.农村养老保险中的政府职责分析,软科学,第20卷第6期
王凯,雷丽. 2001.农村城市化进程中的养老保险制度化改革[J],财经科学
王贞琼. 2004.农村社会养老保险发展初探,企业经济
王贞琼. 2004.农村社会养老保险发展初探,企业经济
谢冬水. 2008.我国农村社会养老保险的制度变迁与创新分析,西安外事学院学报
徐瑞娥. 2008.中国农村社会养老保险制度研究综述,经济研究参考
阎小明. 2009.宝鸡市农村社会养老保险制度介绍.西部财会
阎小明. 2009.做好三道加法放大三个乘数率先实现“新农保”全覆盖.西部财会
阎小明. 2010.做好三道加法实现“新农保”全覆盖.中国财政
张红平. 2008.陕西宝鸡农村养老保险试点工作被誉为“宝鸡模式”,华商报
张琳,李兆仁. 2007.建立西部地区农村社会养老保险制度的思考,云南日报
张仕平等. 2005.建国以来农村老年保障的历史沿革、特点及成因,人口学刊
赵文贵、马小成. 2010.创新模式大胆试点全面推行新型农村社会养老保险.宝鸡社会科学
郑秉文. 2003.欧亚六国社会保障“名义账户”制利弊分析及其对中国的启示,世界经济与政治
郑秉文. 2003.养老保险“名义账户”制的制度渊源与理论基础,经济研究
郑功成. 2008.中国社会保障改革与发展战略,人民出版社
人民日报. 2008.中共中央关于推进农民改革发展若干重大问题的决定
钟仁耀. 2005.中国社会救助与社会福利,上海财经大学出版社
CarolinA.crabbe. 2005. A Quarter Century of Pension in Latin America and the Caribbean:Lessons Learned and Next Sreps,Inter-American Development Bank