我国农村养老保险体系面临的挑战及对策分析–以云南省新平县为例

我国农村养老保险体系面临的挑战及对策分析一一以云南省新平县为例摘要：为了解西南地区农村养老保险的现状，有效应对人口老龄化，我们对云南省新平县农村养老保险的现状、问题及发展对策进行了文献综述和实地访谈等深入研究。结果表明，总体上存在城乡养老保险参保意愿低、覆盖面不足、城乡养老保险基金监管能力不足等问题。结果显示，农村养老保险普遍存在农民参加养老保险意识不足、协保体系普遍缺失、普惠金融支持力度不足、缺乏深入贯彻执行等问题。为进一步提高农民参加养老保险的积极性，建议新平县充分利用信息化管理系统，发挥城乡居民养老保险制度的社会效应，不断推进城乡社会保险扩面工作，提高新农保补贴水平、经办水平，充分发挥普惠金融支持作用，搭建新农保网平台。关键词：农村养老保险：普惠金融：新平县Analysis of Challenges and Countermeasures Facedby China's Rural Pension Insurance System--TakingXinping County of Yunnan Province as an ExampleAbstract In order to understand the current situation of rural pensioninsurance in economically backward areas and effectively respond to populationaging,we conducted an in-depth study on the current situation,problems anddevelopment countermeasures of rural pension insurance in Xinping County,Yunnan Province,including literature review and field interviews.The resultsshow that overall there are problems such as low willingness to participate inrural and urban pension insurance,insufficient coverage,and insufficientsupervisory capacity of rural and urban pension insurance funds.The resultsshow that rural pension insurance generally suffers from insufficient awarenessof farmers'participation in pension insurance,a general lack of co-insurancesystem,insufficient inclusive financial support,and a lack of in-depthimplementation.In order to further increase farmers'motivation to participate inpension insurance,it is recommended that Xinping County make full use of theinformation management system,give full play to the social effects of the urbanand rural residents'pension insurance system,continuously promote theexpansion of urban and rural social insurance,improve the level of subsidies andthe level of handling of the New Rural Insurance,give full play to the role ofinclusive financial support,and set up a network platform for the New RuralInsurance.Keywords:pension insurance;rural;Xinping County目录摘要…Abstract4一、绪论6(一)研究背景与意义..(二)国内外研究现状...…7(三)主要研究内容10(四)研究思路与方法.............10二、相关概念与理论基础....10(一)概念界定10(二)理论基础.11三、云南省新平县农村养老保险现状....13(一)我国农村养老保险制度发展概况与基本原则....·13(二)云南省新平县新型农村社会养老保险的调查分析..14四、云南省农村养老保险存在的主要挑战.......14(一)保险意识普遍较低..14(二)协保体系普遍缺失....15(三)金融支持力度不足.....15(四)缺乏深入贯彻执行...15五、完善云南省农村养老保险的解决对策.16(一)提高新农保补贴水平....................16(二)提高新农保经办水平.....16(三)充分发挥普惠制金融支持作用6(四)搭建新农保网络平台….17六、结论17参考文献.18致谢…19