2022年农村养老保险制度论文探讨 .pdf

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1、农村养老保险制度论文探讨【摘要】:农村养老保险制度的建立和完善,关系到我国新农村的发展,关系到和谐社会的建设,具有非常深远的意义。然而,目前的农村养老制度并没有达到理想的效果。通过分析养老保险制度的发展现状,对其在发展过程中存在的挑战和问题提出相关对策建议。【关键词】:农村;养老保险制度完善1 我国农村养老保险制度发展现状我国农村养老保险的探索是在上世纪80 年代中期开始的。1991 年,民政部根据国务院的指示,选择部分县市进行试点。1998 年农村养老保险由民政部移交给劳动和社会保障部。从 1998 年到 20XX 年是清理整顿阶段。这一时期,农民参保人数下降,农保基金运行难度加大。直到20

2、XX 年,十六大以后,中央逐步加大了解决三农问题的力度,十六届三中全会提出了以“五个统筹”为核心的科学发展观。20XX 年,根据党的十七大和十七届三中全会精神,国务院决定开展新型农村社会养老保险。2 农村养老保险制度建立的意义及必要性新农保惠民政策的出台,使农民的养老问题得到更稳定的制度保障。这是继几年前国家取消农业税,减轻农民负担之大手笔后又一具有里程碑意义的重大惠农举措。折射我国农村特殊的制度环境,具有过渡性、衔接性。政府的补贴和兜底机制也体现了社会性、福利性和公平性。对促进社会公平与正义,促进资源合理配臵,扩大国内消费需求,调节国民收入的分配与再分配,破除城乡二元结构,具有重要意义,也是

3、建设和谐社会的重要保证。3 农村养老保险制度面临的挑战和存在的问题3.1 面临的挑战3.1.1 经济全球化趋势的挑战经济全球化的背景使世界经济日益连为一体,作为发展中国家,我国的农业也受到了发达国家低成本专业化农业生产的倾轧,正面临着衰落的命运。在对外开放带来的国际竞争挑战下,遍地小农经济的发展我国的农业,肯定抗不住居于农产品市场垄断地位的发达国家的大农业冲击,这就使得农民收入减少,贫困问题日趋严重,使我国尚不健全的农村社会保障制度面临的问题更加严峻。3.1.2 人口老龄化的压力以 60 岁及以上人口占总人口10%的比重计,我国已于2000 年进入老年型国家行列,发展速度还非常快。据人口学家预

4、测,2020年我国65 岁及以上人口占总人口比重将达到11.3%,2050 年这一指标将达到21.2%。我国是在经济发展的较低水平上面对老龄化的挑战,缺乏应对人口老龄化的经济基础,现行的制度框架也很难应对人口老龄化的严峻挑战。3.1.3 经济社会转型的巨大压力文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6

5、X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A

6、6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3

7、A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B

8、3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9

9、B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L

10、9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3

11、L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9我国在现代化和城市化进程中,将会对传统的农业社会结构产生巨大冲击。一方面,工业化、现代化进程的完成需要相当长的时期才能实现,农村劳动者难以在短时期内进入城镇的社会保障体系;另一方面,既有土地保障、家庭保障因种种因素难以发挥其应有的保障功能,势必形成脆弱的农村养老保险制度。一旦出现经济波动和其他社会震荡,脆弱的农村养老保险制度难以抵御恶性的社会风险事件,给社会协调发展和稳定带来潜在威胁。3.2 存在问题3.2.

12、1 缺乏专门性的法律依据我国农村社会养老保险的探索虽然有了十几年的实践,但一直存在法律依据缺失的问题。由于没有关于建立农村社会养老保险的专门法规,各地农保实践中存在许多困惑,地方立法难找依据。主要以有关部门和地方政府的对策措施为指导,制度运行缺少稳定性。3.2.2 农民参保意识不强农村人口多,经济条件迥异,思想认识不一样。养儿防老思想观念根深蒂固,特别是40 岁以下农民,由于离享受养老金年龄尚远,参保积极性不高。一些地区因经济相对薄弱,认为当前只能解决吃饭问题,尚不能考虑养老问题,导致农保工作开展力度不够、效果不明显。3.2.3 农村社会保障水平低,低收入群体缺乏缴费能力文档编码:CN9M7U

13、10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7

14、U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M

15、7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9

16、M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN

17、9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:C

18、N9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:

19、CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9农民收入不稳定,遇到天灾、农产品销路不畅等因素,都使缴费能力受到影响,从而影响将来的待遇水平。

20、这已经成为农保工作改革的瓶颈,这一问题如果得不到有效地解决,必将严重阻碍了农村经济的持续发展和农村社会的进步,影响农村乃至我国整体经济的运行状况及社会稳定。3.2.4 基金保值、增值能力差由于通货膨胀的影响,养老金的价值有可能贬值。因为农村养老保障的基本方式是把钱存入银行,仅仅依靠利息是不能实现保值增值的。3.2.5 农民工问题据统计,到 20XX 年底,全国参加城镇企业基本养老保险的农民工为2647 万人,与 1.45 亿的外出农民工总量相比,还相差很大。农民工未纳入现有城镇基本养老保险体系中,参加农保又造成管理的困维。相当多的农民工在外打工有参加企业养老保险的,返乡后又重新参加农保。而新农

21、保地区模式差异大,与城镇职工基本养老保险的统筹部分缴费人、缴费标准、待遇计算有所不同,造成转换上的困难。有些地方规定农民工返乡可以退保,个人账户储存额一次性退还本人,这又伤害了农民工的利益,使得他们在城市劳动的社保权益几乎化为零。3.2.6 经办机构管理簿弱,主体分散文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9

22、B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L

23、9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3

24、L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI

25、3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 Z

26、I3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8

27、ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8

28、 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9随着新农保工作的蓬勃发展,在改革开放中成长起来的各级经办机构一直处于“小牛拉大车”的被动状态,经办能力严重不足。经办管理主体的分散又不利于基金的安全和增值。4 对策和建议4.1 加快立法,做好监管可以先建立基本的法律依据,具体环节在实践中逐步完善。首先建立由国家立法机关颁布的社会保障法,然后由中央政府颁布相应的行政法规,相关职能部门颁布具体的规章制度,从三个层面构建起三位一体的农村社会养老保险法律法规

29、体系。农村社会保障制度的建立和运作在起始阶段会受到各种因素的制约,要多倾听来自基层的声音。一些制度的可行与否,基金监管是否到位,制度执行中的漏洞往往具体经办人员和参保人员最有切身感受。有时同一制度在不同地区也会出现执行不一的状况。在这种情况下,推进或改革某项制度,往往顾此失彼。此外在基金的监管上,主要是对财务基金的监管,而将来的养老金待遇计算是以业务计录的个人账户为依据。建议加大对财务和业务基金的合并检查,并在立法上做相关硬性规定,确保业务和财务缴费记录的一致。4.2 其他制度的配套发展,提高农民收入与养老金保障文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6

30、X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A

31、6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3

32、A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B

33、3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9

34、B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L

35、9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3

36、L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9水平农村金融深化、政府财政支持、农民土地制度改革与农业生产力提高的配套发展,是从根本上提高农民收入、解决农民养老保障问题的有效路径。农村金融深化在宏观层次

37、上应加强对农业的政策性金融支持,加大农村的公共项目和基础项目建设,提高农业生产技术,改善农业生产条件;在微观层次上,应有效地对农村经营者提供金融服务,帮助农民进行农业项目的投资分析与风险控制,建立有效的农民储蓄保险贷款农业生产的良性循环机制。建立农村社会养老保险制度时,思路不应完全局限于收入补充型养老保险制度。在低收入国家,政府财政应力求逐步建立农民的非缴费型社会救助计划。同时吸取其他国家为提高保障水平所进行的多层次改革思路,即通过自愿缴费的形式建立第二层次的农村养老保险制度,以更好地实现其保障功能。4.3 提高农村养老保险基金保值增值能力我国现行的单一的养老保险基金投资渠道使养老保险基金根本

38、不具备规避风险和抵御通货膨胀的能力,因此有必要积极探索多种形式、切实可行的基金保值增值办法,尝试开辟新的投资渠道。可以实行基金市场化运营,即由符合规定的市场法人,按照有关法规和政策,专门组建政策性的农村社会养老保险文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU1

39、0I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU

40、10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 H

41、U10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8

42、HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8

43、 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q

44、8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1

45、Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9公司,根据国家有关法律、法规及相关政策,积极开拓市场,提供优质服务,引导农民投保。实行市场化运作,将会充分发挥政府和市场的两个积极性,比单靠政府大包大揽,责任会更为明确,其效益也会更好。随着我国证券市场的进一步发展,基金管理的逐步规范化和多样化,养老保险基金也可以成为开放式基金的主要持有者。同时,政府有必要对养老保险基金在资本市场的投资方向给予必要的指导,或通过制定投资政策进行调控,以减少投资风险,确保基金的保值增值。4.4 解决好农民工问题农民工纳入社

46、保体系,这是一个无须讨论的问题。关键是如何纳入的问题。我国的地区差异很大,很难有一个适应全国各地的政策和办法,只能是分步实施。可以考虑针对农民工的特点和需求,为他们制定一套专门的办法来纳入社保体系,待条件成熟以后再并轨。4.5 多种措施提升经办机构管理能力新农保工作的业务主要是在县区乡镇,从试点地区反映的情况来看,经办机构能力不足已成瓶颈。这方面广东省的做法很有借鉴意义。在经办管理上,该省率先采取了管理上提、服务下沉、省级统管、社银合作的新模式。基金省级统筹,个人信息全省联网,既有利于基金的安全和增值,又保证了个人帐户信息记录的真实性,防止了随意更改现象的发生,文档编码:CN9M7U10V1Q

47、8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1

48、Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V

49、1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10

50、V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U10V1Q8 HU10I7T5A10F8 ZI3L9B3A6X9文档编码:CN9M7U1