河北省被征地农民养老保险现状分析与对策研究.pdf

摘 要 摘 要 我国现行的被征地农民养老保险制度模式呈现出多样化的特点，有些地方依托职工 养老保险解决被征地农民的养老问题，有的依托城乡居民社会养老保险，有的依托商业 保险，更多的是为被征地农民量身定做单独建立的养老保险制度。这种多元分立的制度 存在着诸多弊端：效力层次低，参保率低，统筹层次低，保障水平低且区域差异大，不 适应人员流动。造成这种状况的深层次原因还是由于城乡二元经济结构。 改变这种状况，只能靠统筹城乡发展一体化来解决。本文紧紧抓住“被征地农民” 的特点，详细分析了当前河北省被征地农民养老保险工作的现状、存在的问题和面临的 形势；在此基础上，按照统筹城乡发展一体化的思路，从有利于维护社会和谐稳定、保 障和改善民生、实现社会公平正义、完善养老保险制度等方面，就被征地农民纳入职工 养老保险的必要性进行了充分论述；从法律保障、户籍制度改革、筹资渠道、政府财力 等方面，论证了河北省将被征地农民纳入职工养老保险的可行性；从尊重被征地农民的 自主选择权、合理确定参保对象和缴费基数、足额安排养老保险费、做好政策衔接等方 面，有针对性地提出了完善被征地农民养老保障制度的对策建议。 关键词 被征地农民 养老保险 对策研究 I Abstract Abstract The endowment insurance model that is applied in China for the land expropriated farmers indicates various characteristics: some places rely on the endowment insurance for employees in cities and towns, some places depends on commercial insurance while some places depend on the endowment insurance of the residents from cities and countryside, but the endowment insurance that most places rely on dose not have a standard appearance, which means it is a make-to-measure system. This, however, has a lot of disadvantages, such as, low effective, low joining rate, low security level, the overall plan level is not strong, and very big regional variation, which are not good for turnover. To change this situation, it can only depend on developing the cities and countryside as a whole, since the prime reason is dual economy. To change this situation, it can only depend on developing the cities and countryside as a whole,