摘要
随着我国老龄化趋势的加剧和工业化、城镇化进程的推进,农村社会自给自足的养老模式已经无法适应经济社会发展的需要,建立和完善社会养老保险制度已势在必行。本文回顾了我国农村社会养老保险的发展历程,分析了农村社会养老保险的管理与运作状况,从政府和社会保障机构、商业人寿保险公司、其他服务供应商等角度,分析研究了我国新型农村社会养老保险政府自办模式存在的弊端及其原因,并借鉴国际农村社会保险经办经验,提出建立"政府主导、市场运作、政企合作、政事分开"的新农保运作体系和"政府购买服务,企业专业运作,农民安心养老"的多赢社保模式。
As the trend of population ageing and industrialization and urbanization getting intensified, the self-sufficient and self-supporting model of old age provision in the rural areas has become incompatible with the situation of socio-eeonomic development,therefore it has been inevitable for China to establish and enhance a social pension system for rural population. The paper reviewed the track of development of rural social pension system in China, and analyzed the system＇s status quo and operational features. It further researched on the inadequacies of the government self-operation model of the New-type Rural Pension System from the perspectives of government and social security institutions, commercial life insurance companies, and other service providers. Referring to successful international experiences in running rural social security insurance, the paper suggested to establish an operational model for the New-type Rural Pension System that was characterized with ＂government leadership, market-driven operation, government-enterprise cooperation and governance-operation separation＂ and a multiple win-win social security model of ＂government purchasing services, enterprises offering specialized services, and farmers benefiting from a secure old age protection＂.
出处
《保险研究》
北大核心
2011年第8期78-85,共8页
Insurance Studies
关键词
农民社会养老保险
政府自办
采购服务
经办主体
rural social pension insurance
government self-operation
service purchasing
operational entity
