【摘要】：2014年2月7日國(guó)務(wù)院常務(wù)會(huì)議確定了,在已基本實(shí)現(xiàn)新型農(nóng)村社會(huì)養(yǎng)老保險(xiǎn)、城鎮(zhèn)居民社會(huì)養(yǎng)老保險(xiǎn)覆蓋的基礎(chǔ)上,建立全國(guó)統(tǒng)一的城鄉(xiāng)居民基本社會(huì)養(yǎng)老保險(xiǎn)制度。截至到2013年底,全國(guó)新型農(nóng)村社會(huì)養(yǎng)老保險(xiǎn)和城鎮(zhèn)居民養(yǎng)老保險(xiǎn)的參保人數(shù)已達(dá)4.98億人,隨著城鄉(xiāng)居民社會(huì)養(yǎng)老保險(xiǎn)制度的不斷完善,參加社會(huì)保險(xiǎn)制度的人口將日益增多。根據(jù)2013年全國(guó)社會(huì)保險(xiǎn)基金決算分析報(bào)告的數(shù)據(jù)顯示,全國(guó)城鄉(xiāng)居民社會(huì)養(yǎng)老保險(xiǎn)基金,收入同比增長(zhǎng)9%,支出增幅則高達(dá)18%,收支增幅差距比較大。同時(shí)隨著我國(guó)人口老齡化的不斷加劇,城鄉(xiāng)居民社會(huì)養(yǎng)老保險(xiǎn)基金未來(lái)收支平衡將面臨巨大的壓力。所以,保障城鄉(xiāng)居民社會(huì)養(yǎng)老保險(xiǎn)基金運(yùn)行的安全性已成為城鄉(xiāng)居民社會(huì)養(yǎng)老保險(xiǎn)制度穩(wěn)定發(fā)展的首要目標(biāo)。本文擬在研究城鄉(xiāng)居民社會(huì)養(yǎng)老保險(xiǎn)基金運(yùn)行安全問(wèn)題的背景、相關(guān)概念界定、國(guó)內(nèi)外研究現(xiàn)狀以及其理論基礎(chǔ)上,對(duì)菏澤市城鄉(xiāng)居民社會(huì)養(yǎng)老保險(xiǎn)基金面臨的風(fēng)險(xiǎn)進(jìn)行分析。在對(duì)國(guó)家統(tǒng)計(jì)數(shù)據(jù)和社會(huì)調(diào)查獲得數(shù)據(jù)深入分析和研究的基礎(chǔ)上,探討菏澤市城鄉(xiāng)居民社會(huì)養(yǎng)老保險(xiǎn)基金在籌集層面、投資層面、管理層面和支付層面所存在的風(fēng)險(xiǎn),對(duì)面臨的風(fēng)險(xiǎn)有一個(gè)宏觀把握。在對(duì)菏澤市城鄉(xiāng)居民社會(huì)養(yǎng)老保險(xiǎn)基金運(yùn)行現(xiàn)狀宏觀把握的基礎(chǔ)上,找出菏澤市城鄉(xiāng)居民社會(huì)養(yǎng)老保險(xiǎn)基金安全運(yùn)行所面臨的問(wèn)題。并對(duì)這些問(wèn)題進(jìn)行深入分析,把握產(chǎn)生這些問(wèn)題的原因,找出目前菏澤市城鄉(xiāng)居民社會(huì)養(yǎng)老保險(xiǎn)基金運(yùn)行存在的主要問(wèn)題,提出實(shí)現(xiàn)城鄉(xiāng)居民社會(huì)養(yǎng)老保險(xiǎn)基金安全運(yùn)營(yíng)的具體對(duì)策。以期為如何避免將來(lái)菏澤市城鄉(xiāng)居民社會(huì)養(yǎng)老保險(xiǎn)基金收支的失衡,以及確保菏澤市社會(huì)養(yǎng)老保險(xiǎn)基金支付能力的可持續(xù)發(fā)展,提供一定的借鑒基礎(chǔ),確保社會(huì)養(yǎng)老保險(xiǎn)制度穩(wěn)定發(fā)展。
[Abstract]:On February 7, 2014, the executive meeting of the State Council decided to establish a unified national basic social endowment insurance system for urban and rural residents on the basis of the new type of rural social old-age insurance and the coverage of urban and rural residents' social old-age insurance. By the end of 2013, the number of new rural social old-age insurance and urban residents' old-age insurance has reached 498 million. With the continuous improvement of urban and rural residents' social old-age insurance system, the number of people participating in the social insurance system will increase day by day. According to the analysis of the final accounts of the National Social Insurance Fund in 2013, the income of the National Social Endowment Insurance Fund for Urban and Rural residents increased by 9 percent over the same period last year, while the increase in expenditure was as high as 18 percent, with a large gap between income and expenditure. At the same time, with the aging of population in China, the balance of income and expenditure of the social endowment insurance fund of urban and rural residents will face great pressure in the future. Therefore, to ensure the security of the social pension insurance fund of urban and rural residents has become the primary goal of the stable development of the social pension insurance system of urban and rural residents. Based on the study of the background, the definition of related concepts, the current research situation and the theoretical basis of the social pension insurance fund for urban and rural residents, this paper analyzes the risks faced by the social pension insurance fund of urban and rural residents in Heze City. Based on the in-depth analysis and research on the national statistical data and the data obtained from the social survey, this paper discusses the risks of the social pension insurance fund for urban and rural residents in Heze in the aspects of raising, investment, management and payment. Have a macro grasp of the risks you face. On the basis of macroscopically grasping the present situation of social endowment insurance fund for urban and rural residents in Heze City, this paper finds out the problems faced by the safe operation of social pension insurance fund for urban and rural residents in Heze City. And deeply analyze these problems, grasp the causes of these problems, and find out the main problems existing in the operation of social pension insurance fund for urban and rural residents in Heze. This paper puts forward the concrete countermeasures to realize the safe operation of social pension insurance fund for urban and rural residents. In order to avoid the imbalance of income and expenditure of social endowment insurance fund of urban and rural residents in Heze city in the future, and to ensure the sustainable development of social endowment insurance fund's ability to pay in Heze city, this paper provides a certain reference basis. To ensure the steady development of the social endowment insurance system.
【學(xué)位授予單位】：甘肅農(nóng)業(yè)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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