中国农村养老制度分析研究 行政管理专业

中国农村养老保险保障制度研究摘要近几年来，我国的社会养老保险已经从城市开始延伸到农村，养老保险的覆盖面在逐渐扩大，这就意味着将来会有越来越多的人享受到社会养老保险的待遇。这是以人为本的社会发展观的具体要求，也是社会收入再分配的具体要求，更是党的“十六大”对完善我国“三农问题”的具体要求。农村养老保险政策的实施也缓解了农村的养老压力，改变了农村养老方式，实施成功的话具有很多优点。但是，因为我国本来的城镇与农村的收入结构与支出结构的差别比较大，再加上农村人口对于养老保险的认识问题，一些养老保险的政策以及实践在农村的进度情况并不理想，期间暴露了很多问题。本文以烟台|栖霞农村居民的养老保险为例，从制度与体系的角度对农村养老保险体系进行研究分析，首先概括了栖霞农村养老保险的具体范畴，明确了本文的研究方向。然后将栖霞在实践中的情况与国家规定的相关情况进行对比，明确目前栖霞在实施农村养老保险策略中的基本现状，并分析问题原因，最后总结问题，结合栖霞的经济发展与风俗习惯给出了具体的建议。本文的结构基本上是按照发现问题，分析问题解决问题的步骤进行展开的。本文的研究角度是对栖霞农村养老保险体制的完善与发展，指明解决问题的重要性，并从政府财政政策的角度，力求找出一个最适宜栖霞农村居民社会养老保险资金的筹措、控制、运营等一系列资金管理的方|式与相应的配套措施。本文的创新之处在于结合目前栖霞农村的新状况，对最适宜的养老保险政策提出了自己的看法，并运用多种新角度、新视角切入问题，进行研究。关键字：养老保险；农村养老保险；养老保险体系；栖霞

1AbstractChina'ssocialendowmentinsurancehasextendedtothecountrysidefromthecityinrecentyears;thecoverageofendowmentinsuranceisexpandinggradually,whichmeansthattherewillbemoreandmorepe|opleenjoyingsocialendowmentinsurancetreatment.Thisistheviewofsocialdevelopmentrequirements,butalsospecificrequirementsofsocialincomeredistribution,itiseventhespecificrequirementofourcountry“threedimensionalruralissues"intheparty's"SixteenthCongress".Thepoliciesofruralendowmentinsur|ancehadalleviatedthepressureoftheruralold-age,hadalsochangedthewayofruralpension.Sotherewillbemanyadvantagesifitiscarriedoutsuccessfully.However,becausetherearelargestructureofincomedifferencesandexpenditurestructuredifferencesbetweentheurbanandruralinourcountry,what’smore,therural|populationdidn’trealizetheimportanceofendowmentinsurance,andsomepensioninsurancepoliciesandsomepracticeinruralprogressisnotideal,somanyproblemsoccurredduringthepractice.ThisarticleregardstheruralendowmentinsuranceofQixiaresidentsasanexample,andanalyzetheruralendowmentinsurancesyste|mfromtheperspectiveofpolicyandsystem,firstlyIwillsummarizethespecificcategoryofendowmentinsuranceinQixiaruralarea,itisthecleardirectionofthisstudy,thenIwillgiveancontractionbetweenpracticeofQixiaandthestateregulations,theaimistomakesurethepresentruralendowmentinsurancestrategiessta|tusofQixia,andanalyzethecauseoftheproblem,finallyIwouldsummarizetheproblems,andthengivesomespecificsuggestionscombinedwiththeeconomicdevelopmentandthecustomsofQixia.Thestructureofthispaperisbasicallyinaccordancewiththestepoffindingproblem,analyzingproblemandsolvingproblem.Thisartic|le’sresearchpointistheconsummationanddevelopmentofQixiaruralareaendowmentinsurancesystem,tospecifytheimportancethatsolvestheproblem,andfromtheangleofviewthatgovernmentfiscalpolicy,trytofindamostsuitablewayforQixiaruralsocialendowmentinsurancefu