【摘要】：很長時間以來，我國農(nóng)民的養(yǎng)老以家庭養(yǎng)老為主要方式，以土地為農(nóng)民養(yǎng)老的物質(zhì)載體。然而這種方式現(xiàn)在越來越不能夠滿足我國農(nóng)民多層次生活的需求，我國在20世紀80年代初開始正式開展農(nóng)民新型養(yǎng)老保險制度，在這一過程中取得了一定的進展，但是仍然出現(xiàn)了很多缺陷和問題，距離真正的社會保險的要求還很遠，曾經(jīng)一度處于停滯的狀態(tài)。同時，我國對城鎮(zhèn)職工養(yǎng)老保險制度的過分關(guān)到來，人們更加關(guān)注農(nóng)民的社會養(yǎng)老問題，，關(guān)于農(nóng)民養(yǎng)老保險制度的相關(guān)探討和分析也被進一步提上了日程。 我國目前正處于經(jīng)濟體制轉(zhuǎn)軌的關(guān)鍵和重要時期，本文旨在站在公共財政的角度把農(nóng)民養(yǎng)老保險作為一項公共物品來看待，結(jié)合國外養(yǎng)老保險的理論基礎(chǔ)、經(jīng)驗教訓(xùn)和措施，探索具有中國國情特色的農(nóng)民養(yǎng)老保險制度。從財政學(xué)角度看保的信心，農(nóng)民養(yǎng)老保險制度也才能夠真正地建立起來并健康運作。 本文主要從五個方面對農(nóng)民養(yǎng)老保險體系進行了論述： 論文首先從我國農(nóng)村實際情況出發(fā)，論述了本文的研究目的、意義以及國內(nèi)外農(nóng)民養(yǎng)老保險制度的文獻綜述，并針對農(nóng)民養(yǎng)老保險的相關(guān)理論作了分析和闡述。第二主要描述了我國農(nóng)村中的農(nóng)民養(yǎng)老保險基礎(chǔ)情況，論述了其具體的發(fā)展歷程和所取得的一些進展和成就。第三主要分析了我國農(nóng)民養(yǎng)老保險的現(xiàn)狀和制度缺陷，我國農(nóng)民養(yǎng)老保險制度建立至今，雖取得一些進展，但是在農(nóng)民養(yǎng)老保險制度實際的開展工作中難免出現(xiàn)了一系列問題，如養(yǎng)老保障水平低、基金保值增值困難、未能實現(xiàn)城鄉(xiāng)社會養(yǎng)老保險制度的有機銜接等等。第四部分借鑒了國外實施農(nóng)民養(yǎng)老保險制度的成功經(jīng)驗，并提出了對我國的啟示。第五部分提出了完善農(nóng)民養(yǎng)老保險制度的對策。農(nóng)民新型養(yǎng)老保險制度應(yīng)該從我國農(nóng)村的實際情況出發(fā)，在了解農(nóng)民切身利益的基礎(chǔ)上，站在財政宏觀的角度對構(gòu)建農(nóng)民養(yǎng)老保險制度提出了相關(guān)的對策和建議。
[Abstract]:For a long time, the family old-age support is the main way for the peasants to provide for the aged, and the land is the material carrier for the peasants to provide for the aged. However, this way is increasingly unable to meet the needs of the multi-level life of farmers in our country. In the early 1980s, China began to formally launch a new old-age insurance system for farmers, and has made some progress in this process. But there are still a lot of flaws and problems, far from real social security requirements, once stagnant. At the same time, with the coming of the old-age insurance system for urban workers in China, people pay more attention to the social old-age problem of farmers, and the related discussion and analysis about the old-age insurance system of farmers have been further put on the agenda. At present, our country is in the key and important period of economic system transition. This paper aims to treat the peasant pension insurance as a public good from the perspective of public finance, combining with the theoretical basis, experience, lessons and measures of foreign pension insurance. To explore the characteristics of China's national characteristics of the endowment insurance system for farmers. From the perspective of finance, the farmer pension insurance system can be set up and run healthily. This paper mainly discusses the rural old-age insurance system from five aspects: firstly, the paper discusses the purpose, significance and literature review of the rural old-age insurance system at home and abroad, starting from the actual situation in the countryside of our country. And the related theory of peasant endowment insurance has made analysis and elaboration. The second part mainly describes the basic situation of peasant endowment insurance in the countryside of our country, and discusses its specific development course and some progress and achievement. The third part mainly analyzes the present situation and the system defect of the peasant endowment insurance in our country. Although some progress has been made since the establishment of the peasant pension insurance system, a series of problems have inevitably appeared in the actual development of the peasant pension insurance system. Such as the low level of old-age security, the difficulty of maintaining and increasing the value of funds, the failure to realize the urban and rural social endowment insurance system organic convergence and so on. The fourth part draws lessons from the successful experience of implementing the peasant endowment insurance system in foreign countries, and puts forward the enlightenment to our country. The fifth part puts forward the countermeasure of perfecting peasant endowment insurance system. The new old-age insurance system of farmers should be based on the actual situation of our country, on the basis of understanding the vital interests of farmers, put forward the relevant countermeasures and suggestions on the construction of rural old-age insurance system from the perspective of financial macro.
【學(xué)位授予單位】：山西財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F323.89;F842.67

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