我国新型农村养老保险制度研究

第1章绪论 (4)

第一节研究意义 (4)

第二节国内外研究现状 (4)

第三节研究内容 (5)

第四节研究方法 (5)

第2章我国新型农村养老保险相关概述 (6)

第一节我国新型农村社会养老保险制度定义和范围 (6)

第二节我国新型农村养老保险实施现 (6)

第3章我国新型农村养老保险制度实施中存在的问题 (9)

第一节东、中、西部发展不平衡 (9)

第二节财政补贴不能及时到位 (10)

第三节农村居民享受福利少 (10)

第四节统筹制度及层次不完善 (11)

第4章关于加快建设我国新型农村养老保险制度的建议 (11)

第一节根据不同地区养老现状制定相应对策 (11)

第二节增加农村居民养老保险福利 (12)

第三节做好新、老农保的衔接工作，保障农民收益 (13)

第四节加快建立统筹城乡养老保险制度的衔接机制 (14)

参考文献 (16)

摘要

随着国家经济的发展和政策的调整,我国逐渐出现农民工进城务工流动频繁,城乡差距越来越小,农村家庭小型化、空巢化和土地收益下降等问题,这些问题的出现使得传统的家庭养老功能越来越弱,农村居民的养老风险也不断扩大。根据调查统计，我国目前有超过一亿的农村老龄人口, 且仍然有很大部分农村老年人没有享受到充分的养老保障。我国农村社会养老保险从二十世纪八十年代开始，经历了不到三十年的时间发展历程，虽然对农民的养老有了一定的帮助作用，但是由于没有得到国家财政方面的大力支持，并且农民养老待遇方面得不到充分的保障，大部分农村居民并没有切身感受到农村养老保险给自身带来的利益，导致农民没有较高的积极性去参与养老保险，也有过一段时间的停滞时期。为了解决和完善普遍存在于我国农村老年人中的养老保障问题，全国各地从2002年开始进行将地方政府主导和地方政府财政介入相结合的新型农村养老保险的探索历程，形成了具有各地地方特色的农村养老保险制度。

文章主要对我国的农村养老保险制度的形成原因进行了分析，然后提出了相关的解决办法，并且提出了自己的方案，这样的解决办法对我国农村地区的生活提供了重要保证，对于农村地区的社会保障提供了重要的借鉴意义，这样对我国农村保险制度的发展起到了正面的促进作用。

关键词：农村；养老保险；保险制度

Abstract

With the development of the national economy and the adjustment of policies, the gradual emergence of migrant workers in cities migrating frequently, the gap between urban and rural areas smaller and smaller, small rural families, empty nest and land revenue decline and other issues, the emergence of these problems makes the traditional The family pension function is getting weaker and the pension risk of rural residents is also expanding. According to the survey statistics, there are over 100 million rural elderly population in our country at present, and a large part of the rural elderly still do not enjoy adequate pension security. Since the 1980s, the rural social pension insurance in our country has experienced less than three decades of development. Although it has played a certain helping role for the peasants' pension, due to the lack of strong state financial support and Most of the rural residents did not personally feel the benefits brought by the rural endowment insurance to themselves, resulting in that the peasants did not have higher enthusiasm to participate in the endowment insurance and also had a period of stagnation. In order to solve and improve the old-age security that exists in the rural elderly in China, the exploration process of the new-type rural old-age insurance that integrates the local government-led and the local government fiscal intervention has been carried out in all parts of the country since 2002, Rural pension insurance system.

This article mainly analyzes the causes of the rural pension insurance system in our country, and then puts forward the corresponding solutions and proposes its own solutions. Such solutions provide an important guarantee for the life in rural areas of our country. For the rural areas, Social security provides an important reference for the development of China's rural insurance system has played a positive role in promoting.

Key words: rural areas; pension insurance; insurance system