我国南北方农村养老保险问题的对比分析

第1页共16页我国南北方农村养老保险问题的对比分析摘要党的十八大提出了全面建成小康社会的宏伟目标，也提出了美丽中国、中国梦等全新概念。在中国这样一个拥有13亿人口、农业人口占比超过55%的农业大国而言，如何解决好农民养老保险问题，真正做到老有所养、老有所依，是实现小康社会的重中之重。2009年，国家开始实行农村养老保险政策，加上商业保险，我国农村养老保险已经形成了国家政策养老保险和商业保险相结合的多种养老保险体系，我国农村养老保险已经取得了阶段性成效。但是，我们也清醒的看到，由于受到自然经济发展水平、国家政策扶持力度不均、南北方经济区域差异及农民认知差异等诸多因素的影响，我国也呈现出南北方农村养老保险的较大差异。正是基于上述背景，本文提出了“我国南北方农村养老保险问题的对比分析”这一课题，旨在通过本文的研究，全面概括我国南北方农村养老保险的现状，深入南北方农村养老保险存在差异的具体原因，并针对性提出分析缩小南北方养老保险差异的具体对策，为全面深入解决我国农村养老保险问题提供理论参考。本文首先阐述了我国南北方养老保险的现状，并分析总结了南北方养老保险的差异性；其次从农村自身发展和政策两方面分析了南北方养老保险存在差异的原因；文章最后从多个角度提出了解决我国南北方差异的对策。文章内容包括了坚持以人为本的创新理念，讨论了坚持以人为本原则的重要性。最终把问题归结到经济建设方面的差异造成了南北方农村养老保险的差异，要消除南北方养老保险的差异性必先解决好经济发展不平衡的问题，得出了解决关于农村养老保险差异性问题的一系列结论，对于我们国家解决农村养老保险的问题具有一定的现实意义和参考价值。关键字：南北方；养老保险；发展现状；差异；对策第2页共16页AbstractTheparty'seighteenCongressputforwardacomprehensivewell-offsocietyinthegrandgoal,alsoputforwardabeautifulChinaChinadream,newconcept.InthisChinahasapopulationof1300000000,theagriculturalpopulationaccountedformorethan55%oftheagriculturalbigcountry,howtosolvetheproblemoffarmersold-ageinsurance,reallyold,oldage,isthepriorityamongprioritiesofwell-offsociety.In2009,thecountrybegantoimplementtheruralendowmentinsurancepolicy,coupledwiththecommercialinsurance,ruralendowmentinsuranceinChinahasformedavarietyofendowmentinsurancesystemofthenationalpolicyofendowmentinsuranceandcommercialinsurancecombination,theruralendowmentinsuranceinourcountryhasachievedinitialresults.However,wealsoclearlysee,affectedbythenaturallevelofeconomicdevelopment,nationalpolicysupport,unevenregionaleconomicNorthSouthdifferencesandthecognitivedifferencesandotherfactors,ourcountryalsoshowsubstantialdifferencesinthenorthandthesouthofruralendowmentinsurance.Itisbasedontheabovebackground,thispaperputsforwardbetweenNorthandSouthChinaruralendowmentinsuranceproblemanalysisthistopic,thispaperaimstostudy,summarizingthestatusquoofChina'snorthandsouthofruralendowmentinsurance,ruralendowmentinsurance,deepNorthSouthdifferenceswithreason,andputforwardthespecificcountermeasureanalysistonarrowtheNorthSouthdifferencesforold-ageinsurance,comprehensiveandin-depthtoprovidetheoreticalreferencetosolvetheruralendowmentinsuranceinchina.ThispaperexpoundsthepresentsituationinthenorthandsouthofChinaendowmentinsurance,summarizesandanalyzesthedifferencesbetweenthenorthandsouthofendowmentinsurance;twoseconddevelopmentfromthe第3页共16页countrysideandpolicyanalysisofthenorthandsouthofendowmentinsurancedifferences;finally,fromthepointofviewputforwardthecountermeasuretosolvethedifferencesbetweenNorthandSouthChina.Thearticleincludestheconceptofinnovationadheretothepeople-oriented,discussedtheimportancetoadheretothepeople-orientedprinciple.FinallythedifferencesproblemtotheeconomicconstructionoftheNorthSouthdifferencescausedbytheruralendowmentinsurance,toeliminatethedifferencesbetweenthenorthandSouthhaveold-ageinsurancetosolvetheproblemofunbalancedeconomicdevelopment,thesolutiontoaseriesofconclusionsabouttheproblemofruralold-ageinsurancedifferences,hascertainpracticalsignificanceandreferencevalueforustosolvetheproblemofruralendowmentinsurance.Keywords:ThenorthandSouth;endowmentinsurance;developmentstatus;difference;countermeasure第4页共16页目录摘要.....................................................1绪论.....................................................5（一）研究背景及意义............................................51、研究背景.....................................................................................................................52、研究目的及意义.........................................................................................................6（二）文章主要内容及结构........................................7（三）相关文献综述..............................................9一、南北方养老保险差异的现状............................10（一）我国南北方农村养老保险存在差异情况综述...................101、北方农村养老保险的现状.......................................................................................112、南方农村养老保险现状分析...................................................................................15（二）南北方农村养老保险存在差异的影响.........................17二、南北方养老保险存在差异的原因........................19（一）南北方农村自身经济发展情况不同...........................20（二）南北方农村养老保险政策的差异.............................21三、解决南北方农村养老保险差异的对策....................22（一）政府层面应当充分发挥指挥官的作用......................221、要进一步完善养老保险体制和机制建设，从根本上降低南北方农村养老保险的差异.................................................................................................................................232、要加强农村地区商业养老保险的推广工作，普及养老保险知识.......................253、要加大养老保险政府补贴力度，并根据经济发展的实际同步调整养老保险待遇.........................................................................................................................................274、注重经济乡镇、街道的干部，缩短南北差距.......................................................285、建立起以人为本的养老保险良好环境...................................................................29（二）社会组织要积极投身到养老保险的建设工作当中...............30（三）农民自身也要重视养老保险，积极参保.......................31四、结束语..............................................32参考文献：..............................................34致谢...................................