论我国养老保险制度的完善大学论文.doc

论我国养老保险制度的完善 目 录 前言…………………………………………………………………………………1 一、我国养老保险制度的概述……………………………………………………2 （一）养老保险的基本含义………………………………………………………3 （二）养老保险制度的基本构成…………………………………………………4 二、我国养老保险制度的发展历程 三、我国养老保险制度存在的主要问题………………………………5 （一）我国养老保险制度存在的问题……………………………………………7 （二）我国养老保险制度出现问题的原因 四、完善我国养老保险制度的建议………………………………………………8 （一）完善我国社会养老保障体系的价值取向…………………………………9 （二）完善养老保险制度的措施……………………………………………10 结语………………………………………………………………………………15 注释…………………………………………………………………………………16 参考文献……………………………………………………………………………17 摘 要 社会统筹与个人账户相结合是我国当前养老保险制度的筹资模式。然而,保险面狭窄、保险类别转换障碍、筹资体制弊端及养老保险制度的非法制化等问题,事关养老保险制度的可持续运行和整个国民经济的稳定与发展。当前,在稳步扩大基本养老保障覆盖面的同时, 要使我国社会养老保险工作走上规范化的发展道路，建立起与经济和社会发展相适应的、具有现代化意义的社会养老保险体系，解决社会养老保险工作中存在的一系列矛盾和问题，是必要加快制定和完善相应的法律法规，通过法律规范引导和促进社会养老保险事业的发展。本文在侧重分析农村社会养老保险法基本理论的基础上，通过对目前我国养老保险制度存在的主要问题及其成因的分析，对我国社会养老保险立法的基本原则、立法层次和体例、内容构成等提出个人浅见，以期待我国养老保险制度的法律保障体系早日实现全域覆盖。 关键词:养老保险 现状 完善 Research on the perfection of the Endowment Insurance System  Abstract Social pooling and individual accounts of the current endowment insurance system is the mode of financing. However, the narrow insurance face, insurance type switching barriers, funding system defects and the pension insurance system and other non-legal issues related to sustainable pension system operation,stability and development of the national economy. Currently, keep the steady expansion of the basic old-age security coverage ,at the same time, to make the work of social pension insurance road of development towards a standardized and established economic and social development, with modern meaning of the social pension insurance system to address the social pension insurance a series of contradictions and problems exist in the work, we must accelerate the formulation and improve relevant laws and regulations. The laws and regulations could guide and promote the development of social pension insurance. This paper focuses on analysis of rural social endowment insurance law on the basis of the basic t