我国南北方农村养老保险问题的对比的分析.doc

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 Abstract The partys eighteen Congress put forward a comprehensive well-off society in the grand goal, also put forward a beautiful China China dream, new concept. In this China has a population of 1300000000, the agricultural population accounted for more than 55% of the agricultural big country, how to solve the problem of farmers old-age insurance, really old, old age, is the priority among priorities of well-off society. In 2009, the country began to implement the rural endowment insurance policy, coupled with the commercial insurance, rural endowment insurance in China has formed a variety of endowment insurance system of the national policy of endowment insurance and commercial insurance combination, the rural endowment insurance in our country has achieved initial results. However, we also clearly see, affected by the natural level of economic development, national policy support, uneven regional economic North South differences and the cognitive differences and other factors, our country also show substantial differences in the north and the south of rural endowment insurance. It is based on the above background, this paper puts forward between North and South China rural endowment insurance problem analysis this topic, this paper aims to study, summ