我国农村社会养老保险制度研究

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浙江财经学院硕士学位论文

摘要

农村社会养老保险制度，是社会保障体系建设的重要部分，更是公共财政体

系不可或缺的组成部分。它是由政府实施的、社会组织和农民协同的一项长期社

会政策。立足农村和整个国家的长远发展需要来看，建立健全农村社会养老保险

制度，加快农民从传统的依靠家庭、土地保障向现代化的社会保障过度，具有现

实的必要性和任务的紧迫性。随着我国已经进入一个人口老龄化快速发展的社

会，且农村人口老龄化步伐远远快于城市人口老龄化步伐，不断总结各地探索农

村社会养老保险的经验，逐步建立城乡统一的养老保障制度，不仅是缓解农村家

庭养老、土地养老困境的突破口，更是完善公共财政体制的必然要求。

本文以公共财政视角来探讨农村社会养老保险制度建立过程中所遇到的一

些突出问题以及相应解决措施。

首先，基于我国已经进入老龄化社会的现实背景，提出我国农村传统养老保

障方式存在形式及其不可避免的弊端以及当前整个农村社会养老保障体系发展

中存在的种种问题；而后，基于公共财政角度分析产生上述问题的原因，并提出

相应的解决措施：一是通过农村社会养老保险这一准公共产品的属性，明确和强

调政府在农村社会养老保险制度中的主体责任及其主体责任的实现机制。二是充

分发挥财政的重要经济职能，进一步完善现行的农村社会养老保险制度：接着，

借鉴国家农村社会养老保险制度的发展历程和实现模式，提出基于国情化的借鉴

经验，探索建立适合中国国情的农村社会养老保险模式；最后，在以上理论分析

和经验借鉴的指导下，勾画出我国农村社会养老保险制度走向完善的总体思路和

可行的模式设计。

本文研究具有理论层面和实践层面双重意义，最终就是希望通过科学的研究

方法，建立和完善面向未来城乡统筹发展的、统一的新型农村社会养老保险制度，

使之服务于中国特色的社会主义。

关键词：社会保障；农村社会养老保险；公共产品；财政职能；梯度补贴机制

浙江财经学院硕士学位论文

ABSTRACT

Rural social endowment insurance system is an important part of social security

system and an integral part of the public finance system. It is a long-term social policy

implemented by the government，involving coordination between social organizations

and farmers. Based on the requirement of the long-term development of the

countryside and the whole country, establishing and improving rural social

endowment insurance system, together with speeding up the transition of farmers

from the traditional reliance on family land security to the modern social security, is

full of necessity and urgency. As China has entered a fast aging society, with the aging

speed of the rural population is much faster than that of urban population, it is very

wise for China to make full use of experiences in other places in terms of exploring

the way of establishing rural social endowment insurance, and gradually establish a

unified pension system. It is not only the key to alleviate the traditional rural family

pension, but is a necessary requirement to improve the public finance system.

In this paper, it carried out an intensive discussion about some outstanding

problems in the course of the establishment of rural social endowment insurance

system from the perspective of public finance and then raised some corresponding

solutions.

First, considering the fact that China has entered an aging society, it lay out the

traditional endowment insurance in rural areas and figured out the inevitable

drawbacks of the current Social Security System; Then it analyzed the reasons and

figures out the corresponding solutions: Firstly, through clarifying and stressing the

properties of rural social pension insurance as a quasi-public product, it further

defined and emphasized that the government's main responsibility in the rural social

endowment insurance system and its implementation mechanism.; Secondly, give

full play to the important economic functions of public finance , further improve the

existing rural social endowment insurance system: Thirdly, draw the experience of

other developed countries in term of establishing national rural social endowment

insurance system and based on these experiences, explore and establish rural social

endowment insurance which is in line with China's own characteristics; Finally, on the

basis of theoretical analysis and experience under mentioned above, outline the

overall idea and design of a workable model to improve the rural social endowment

insurance system.

浙江财经学院硕士学位论文

This paper has powerful meaning both theoretically and practically .The aim is,

through scientific research methods, to establish and improve urban and rural

development in a coordinated manner in the future, to form a unified new rural social

endowment insurance system, in order to serve the course of socialism with Chinese

characteristics.

Keywords: social security; rural social endowment insurance; public goods; financial

functions; gradient subsidy mechanism

III

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摘要：

浙江财经学院硕士学位论文摘要农村社会养老保险制度，是社会保障体系建设的重要部分，更是公共财政体系不可或缺的组成部分。它是由政府实施的、社会组织和农民协同的一项长期社会政策。立足农村和整个国家的长远发展需要来看，建立健全农村社会养老保险制度，加快农民从传统的依靠家庭、土地保障向现代化的社会保障过度，具有现实的必要性和任务的紧迫性。随着我国已经进入一个人口老龄化快速发展的社会，且农村人口老龄化步伐远远快于城市人口老龄化步伐，不断总结各地探索农村社会养老保险的经验，逐步建立城乡统一的养老保障制度，不仅是缓解农村家庭养老、土地养老困境的突破口，更是完善公共财政体制的必然要求。本文以公共财政视角来探讨农...

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