浙江省城鄉(xiāng)居民養(yǎng)老保險與企業(yè)職工基本養(yǎng)老保險制度銜接問題研究
發(fā)布時間：2018-11-15 06:40
【摘要】：我國社會養(yǎng)老保險制度起始于上世紀中期，長期以來，我國的養(yǎng)老保險呈現(xiàn)出“碎片化”的狀態(tài)。隨著參保人員跨地區(qū)流動愈加頻繁、大批量農民工進城務工參保使得我國養(yǎng)老保險面臨著制度銜接的矛盾。“二元結構”是我國城鄉(xiāng)、各區(qū)域協(xié)調發(fā)展的絆腳石。城鄉(xiāng)居民養(yǎng)老保險與城鎮(zhèn)企業(yè)職工基本養(yǎng)老保險的制度銜接問題便在此社會背景下產生，并逐漸呈現(xiàn)出矛盾愈加尖銳的狀態(tài)。 本文研究的是浙江省兩種制度的銜接問題，浙江省在2009年出臺了《浙江省人民政府關于建立城鄉(xiāng)居民社會養(yǎng)老保險制度的實施意見》（浙政發(fā)[2009]62號），該意見不僅建立起浙江省城鄉(xiāng)居民養(yǎng)老保險制度，也給養(yǎng)老保險各個制度間的銜接提出了具體方案。本文在該政策背景下采用理論與實際研究分析法和對比分析法對浙江省的銜接制度狀況與現(xiàn)實運作狀況進行研究，在肯定浙江省城鄉(xiāng)居民養(yǎng)老制度與企業(yè)職工基本養(yǎng)老保險制度銜接先進性的同時，也指出了兩種養(yǎng)老保險銜接制度仍存在不合理性問題。 本文分為五個方面，，第一部分主要闡述本文的研究背景、意義、文獻綜述、相關理論以及研究的方法思路及主要創(chuàng)新與不足。第二部分界定了相關制度，以及對浙江省兩種制度銜接現(xiàn)狀的介紹。第三部分主要介紹了其他地區(qū)城鄉(xiāng)居民養(yǎng)老保險與企業(yè)職工基本養(yǎng)老保險制度銜接的現(xiàn)狀以及各地銜接制度與浙江省對比，從而發(fā)現(xiàn)浙江省銜接制度的優(yōu)勢與不足。第四部分闡述了浙江省該銜接制度的問題及問題分析，提出問題的出發(fā)點主要從參保者的參保利益考慮，參保關系轉移是由于市場經濟的客觀性所致，所以政府應當制定合理的政策予以支撐；在分析方法上，本文運用公平理論和對比分析等方法指出浙江省兩種制度的銜接存在折算比例過低，轉移時忽略統(tǒng)籌賬戶存在不公平性兩方面問題，除此之外，本文也分析了阻礙兩種制度銜接相關影響因素。第五部分對于浙江省兩種制度的銜接提出一些建議，如城鄉(xiāng)居民養(yǎng)老保險可以采用名義賬戶制的運行模式；封存參保記錄，在參保者達到領取養(yǎng)老金條件時再進行折算年限；提高城鄉(xiāng)居民養(yǎng)老保險的年限折算比例；按一定比例轉移社會統(tǒng)籌賬戶等等。打通城鄉(xiāng)居民養(yǎng)老保險與企業(yè)職工基本養(yǎng)老保險的銜接路徑，促進勞動力城鄉(xiāng)間合理流動，對于拉動內需、促進經濟發(fā)展具有重要意義；完善浙江省銜接制度，既平衡了浙江省社會養(yǎng)老保險機制，也對其他地區(qū)制度銜接有借鑒意義。
[Abstract]:The social endowment insurance system of our country began in the middle of last century, for a long time, the endowment insurance of our country presents the state of "fragmentation". With the increasingly frequent cross-regional mobility of insurance personnel, large numbers of migrant workers in cities to participate in insurance, pension insurance in China is facing the contradiction of system convergence. Dual structure is a stumbling block for the coordinated development of urban and rural areas in China. The connection between urban and rural residents' old-age insurance system and the basic old-age insurance system of urban and rural enterprise workers arises in this social background and gradually presents an increasingly sharp state of contradiction. This paper studies the connection of the two systems in Zhejiang Province. Zhejiang Province published the opinions of Zhejiang Provincial people's Government on the Establishment of Social Endowment Insurance system for Urban and Rural residents in 2009 (Zhejiang Zhengfa [2009] 62). This opinion not only establishes the old-age insurance system for urban and rural residents in Zhejiang Province, but also puts forward a concrete plan for linking up the various pension insurance systems. Under the background of the policy, this paper uses the theoretical and practical analysis method and the comparative analysis method to study the status of the linking system and the actual operation of Zhejiang Province. While affirming the advanced nature of the linkage between urban and rural residents' pension system in Zhejiang Province and the basic old-age insurance system for enterprise workers, the paper also points out that there are still irrationality problems in the two kinds of old-age insurance linkage systems. This paper is divided into five aspects. The first part mainly describes the research background, significance, literature review, relevant theories and research methods, as well as the main innovations and shortcomings. The second part defines the relevant systems and introduces the current situation of the two systems in Zhejiang Province. The third part mainly introduces the current situation of the connection between urban and rural residents' old-age insurance and the basic old-age insurance system of enterprise workers in other regions, and the comparison between the local and Zhejiang provinces, so as to find out the advantages and disadvantages of the linking system in Zhejiang Province. The fourth part expounds the problems and problem analysis of the linking system in Zhejiang Province, and points out that the starting point of the problem is mainly from the interests of the insured, and the transfer of the participating insurance relationship is caused by the objectivity of the market economy. Therefore, the government should formulate reasonable policies to support them; In terms of analysis methods, this paper points out that the conversions of the two systems in Zhejiang Province are too low, and the unfairness of the overall account is neglected when transferring. In addition, the author points out that there are two problems in the connection of the two systems in Zhejiang Province, such as fairness theory and comparative analysis. This paper also analyzes the related factors that hinder the cohesion of the two systems. The fifth part puts forward some suggestions for the connection of the two systems in Zhejiang Province, such as the operation mode of nominal account system can be adopted in urban and rural residents' old-age insurance system, the record of participating insurance can be sealed, and when the insured has reached the condition of receiving pension, the number of years can be converted. Increase the urban and rural residents pension insurance conversion ratio; by a certain proportion transfer of social balance accounts and so on. Connecting urban and rural residents' pension insurance with enterprise workers' basic old-age insurance and promoting the rational flow of labor force between urban and rural areas is of great significance for stimulating domestic demand and promoting economic development. To perfect the linking system of Zhejiang Province not only balances the mechanism of social endowment insurance in Zhejiang Province, but also has reference significance for other regions.
【學位授予單位】：浙江財經大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.67
本文編號：2332421
[Abstract]:The social endowment insurance system of our country began in the middle of last century, for a long time, the endowment insurance of our country presents the state of "fragmentation". With the increasingly frequent cross-regional mobility of insurance personnel, large numbers of migrant workers in cities to participate in insurance, pension insurance in China is facing the contradiction of system convergence. Dual structure is a stumbling block for the coordinated development of urban and rural areas in China. The connection between urban and rural residents' old-age insurance system and the basic old-age insurance system of urban and rural enterprise workers arises in this social background and gradually presents an increasingly sharp state of contradiction. This paper studies the connection of the two systems in Zhejiang Province. Zhejiang Province published the opinions of Zhejiang Provincial people's Government on the Establishment of Social Endowment Insurance system for Urban and Rural residents in 2009 (Zhejiang Zhengfa [2009] 62). This opinion not only establishes the old-age insurance system for urban and rural residents in Zhejiang Province, but also puts forward a concrete plan for linking up the various pension insurance systems. Under the background of the policy, this paper uses the theoretical and practical analysis method and the comparative analysis method to study the status of the linking system and the actual operation of Zhejiang Province. While affirming the advanced nature of the linkage between urban and rural residents' pension system in Zhejiang Province and the basic old-age insurance system for enterprise workers, the paper also points out that there are still irrationality problems in the two kinds of old-age insurance linkage systems. This paper is divided into five aspects. The first part mainly describes the research background, significance, literature review, relevant theories and research methods, as well as the main innovations and shortcomings. The second part defines the relevant systems and introduces the current situation of the two systems in Zhejiang Province. The third part mainly introduces the current situation of the connection between urban and rural residents' old-age insurance and the basic old-age insurance system of enterprise workers in other regions, and the comparison between the local and Zhejiang provinces, so as to find out the advantages and disadvantages of the linking system in Zhejiang Province. The fourth part expounds the problems and problem analysis of the linking system in Zhejiang Province, and points out that the starting point of the problem is mainly from the interests of the insured, and the transfer of the participating insurance relationship is caused by the objectivity of the market economy. Therefore, the government should formulate reasonable policies to support them; In terms of analysis methods, this paper points out that the conversions of the two systems in Zhejiang Province are too low, and the unfairness of the overall account is neglected when transferring. In addition, the author points out that there are two problems in the connection of the two systems in Zhejiang Province, such as fairness theory and comparative analysis. This paper also analyzes the related factors that hinder the cohesion of the two systems. The fifth part puts forward some suggestions for the connection of the two systems in Zhejiang Province, such as the operation mode of nominal account system can be adopted in urban and rural residents' old-age insurance system, the record of participating insurance can be sealed, and when the insured has reached the condition of receiving pension, the number of years can be converted. Increase the urban and rural residents pension insurance conversion ratio; by a certain proportion transfer of social balance accounts and so on. Connecting urban and rural residents' pension insurance with enterprise workers' basic old-age insurance and promoting the rational flow of labor force between urban and rural areas is of great significance for stimulating domestic demand and promoting economic development. To perfect the linking system of Zhejiang Province not only balances the mechanism of social endowment insurance in Zhejiang Province, but also has reference significance for other regions.
【學位授予單位】：浙江財經大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.67
【參考文獻】
相關期刊論文 前10條
1 王延中;;Several issues in reform and development of China’s old-age security system[J];China Economist;2010年01期
2 鄭秉文;于環(huán);高慶波;;新中國60年社會保障制度回顧[J];當代中國史研究;2010年02期
3 張蕊;;農民工養(yǎng)老保險轉移接續(xù)機制的完善[J];長春工業(yè)大學學報(社會科學版);2012年04期
4 蘇海;王小春;;關于新農保與城保轉移接續(xù)方法的思考[J];石家莊經濟學院學報;2010年06期
5 張占平;呂潔;申越魁;;發(fā)達國家社會保障的城鄉(xiāng)差別演變與啟示[J];河北經貿大學學報;2008年04期
6 馮婷;;基本養(yǎng)老保險全國統(tǒng)籌的可行性分析及路徑選擇[J];華商;2008年07期
7 趙曼;劉鑫宏;;中國農民工養(yǎng)老保險轉移的制度安排[J];經濟管理;2009年08期
8 王利軍;;關于社會養(yǎng)老保險關系轉移接續(xù)問題的理論綜述[J];遼寧大學學報(哲學社會科學版);2009年06期
9 章書平;黃健元;劉洋;;基本養(yǎng)老保險關系轉移接續(xù)困難的對策探究[J];理論與改革;2009年05期
10 尹慶雙;楊英強;;農民工養(yǎng)老保險關系轉移接續(xù)機制問題探討[J];農村經濟;2007年12期
相關博士學位論文 前2條
1 鄒麗麗;基本養(yǎng)老保險統(tǒng)籌層次研究[D];遼寧大學;2009年
2 李珍珍;城鄉(xiāng)統(tǒng)籌就業(yè)中的養(yǎng)老保險制度研究[D];復旦大學;2010年
本文編號：2332421
本文鏈接：http://www.sikaile.net/jingjilunwen/bxjjlw/2332421.html
最近更新
教材專著
