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湖南省农村居民养老保险存在的问题及对策研究(硕士)

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湖南省农村居民养老保险存在的问题及对策研究(硕士)(论文33000字)
Problems and Countermeasures of rural residents' old age insurance in Hunan Province
摘  要
随着社会主义新农村水平的不断提高,农村地区各项制度的建设和落实,各项制度中人们对于养老制度最为关心。就湖南省大部分农村地区来看,很多家庭仍然实行以家庭养老的传统保险方式,然而社会经济的快速发展使得传统家庭的养老功能无法满足需求,传统的土地等生产要素保障功能也受到了市场经济的冲击,加之农村地区人口逐步进入老龄化阶段,农村地区的养老问题成为了整个社会的达摩克利斯之剑,如果不能及时处理好养老问题,将会给社会发展带来沉重的负担,加快养老制度改革迫在眉睫。建立健全农村地区养老保险知道度是促进家庭养老向社会养老转变的唯一途径,社会养老保险制度的推行有助于推进农村土地制度进一步改革,对于稳定和发展农村经济具有重要作用。除此之外,养老保险制度的落实对于消除城乡二元结构,促进协调发展和改变传统的低效养老方式意义重大,在传统家庭养老制度的基础上充分结合社会养老,能够积极有效地推进湖南省农村地区社会经济改革和发展,也是未来湖南省农村地区养老制度发展的未来出路。
本文在充分研究国内外养老制度有关材料的基础上,结合时代背景,以湖南农村地区实际情况为研究的出发点,对问题村的背景进行了探讨和分析,提出农村地区养老制度中存在的问题,结合湖南省农村特殊性和普遍性,提出了针对湖南省农村地区存在问题的养老保险制度基本框架,探讨了养老保险制度实施的可操作性,为湖南省农村地区建立健全养老保险制度提供了必要的理论依据。

关键词:社会保障;社会养老保险;农村;制度

ABSTRACT
With the continuous improvement of the level of the socialist new countryside, the construction and implementation of the system in rural areas, the system of people for the pension system is most concerned about. Is mostly in rural areas of Hunan Province, many families still practiced in a family pension mode of traditional insurance. However, the rapid development of social economy makes the traditional family endowment function can not meet the demand, the traditional production factors such as land security function by the market by economic impact, coupled with the population in rural areas gradually entered the aging stage, supporting for the rural areas became the society as a whole the Damocles sword, if not timely treatment endowment problem will be to bring heavy burden, accelerate the reform of the pension system imminent. The establishment of a sound rural pension insurance is the only way to promote family pension to social pension, social pension insurance system to promote the reform of rural land system, for the stability and development of rural economy has important role. In addition, the implementation of the pension insurance system for the elimination of urban and rural two yuan structure, promoting coordinated development and change the traditional way of low efficiency of the pension system, based on the full combination of social pension system, can actively and effectively promote social and economic reform and development in rural areas in Hunan Province, but also the future development of rural areas in Hunan Province, the future way out.
Based on the full study of domestic and foreign pension system, combined with the background of the times, the paper discusses and analyzes the background of rural areas in Hunan Province, and puts forward the basic framework of Hunan province rural areas, and provides the necessary theoretical basis for the establishment of a sound pension system in rural areas in Hunan province.

Key words:social security;social pensionl;rural areas;system
 
目 录
摘  要    I
ABSTRACT    II
1绪论    1
1.1研究背景    1
1.2 研究目的和意义    1
1.2.1研究目的    1
1.2.2 研究意义    2
1.3国内外研究现状    2
1.3.1国外研究现状    2
1.3.2 国内研究现状    3
1.4研究思路和研究方法    6
1.4.1 研究思路    6
1.4.2 研究方法    6
2问题研究的背景与分析    7
2.1建立农村养老保险的必要性和可行性    7
2.1.1农村养老保险的必要性分析    7
2.1.2农村养老保险的可行性分析    8
2.2湖南省农村社会养老保险的界定    9
3 湖南省新型农村养老保险制度存在的问题    10
3. 1湖南省农村居民参保的基本情况    10
3.2深入分析湖南省农村居民养老存在的问题    10
3.2.1 农村地区对社会养老保险认识上存在误区    10
3.2.2农村社会养老保险保障效果不足    12
3.2.3农村社会养老保险缺少政策连续性与法律保障    13
3.2.4 资金筹集与资金的管理方面存在的问题    14
3.2.5 经办人员服务水平较低    14
3.3湖南农村居民养老保险制度中的问题成因    15
3.3.1制度性障碍制约农村社会保障发展    15
3.3.2农村经济体制与农村经济水平落后    19
3.3.3社会群体对农村社会保障认知误区    20
4湖南省农村居民养老保险保险发展策略研究    23
4.1建立新型的养老保险体系应该把传统的家庭养老方式和现代社会化养老方式结合起来    23
4.2提高湖南省农村居民养老险支付能力    24
4.3根据湖南省自身情况因地制宜的制定养老保险政策    24
4.4提高农村居民养老保险购买意识    28
4.5加强农保的服务能力    28
结论    30
参考文献    31

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