毕业论文：农村养老保险基金的筹集问题研究.docxVIP

农村养老保险基金的筹集问题研究中 文 摘 要 农村养老保险制度是一项重要的社会政策,对保障农村老龄人口的基本生活、转变农民的传统观念、促进计划生育、完善农村社会保障体系、维护农村社会稳定、促进农村经济发展和社会进步，都有重要的作用。它不仅事关广大农民的切身利益，也直接关系到整个社会稳定和发展的大局。目前我国农村养老保险存在的最主要问题是资金的筹集，而我国农村人口众多且老年人口比重较大，农民收入较低、缴费压力过大，缺乏国家的财政支持和集体单位的配套交费，并且养老基金的运营及管理不合理。这些就要求我国对农村养老保险金的筹集建立科学高效的体系，要实行个人、集体、政府三者筹集相结合，建立多层次的缴费标准和缴费方式，设立专门的资金管理机构，合理科学的运用筹集的资金，使其产生最大的效果和效益。关键词 ： 农村养老保险必要性　 基金筹集 筹集设想 AbstractThe village endowment insurance system is an importance of society policy, to guarantee village advanced age population of basic life, change farmer of tradition idea, promote planned parenthood, perfect village society guarantee system, maintenance village society stability, promote village economy development and society progress, all have importance of function.It not only matter pass the slice of large farmer body benefits, also direct relation arrive the whole society stability and development of general situation.Currently our country village endowment insurance existence of the most problem be a raise of funds, but our country the village be densely populated and old age population specific weight more big, the farmer income be lower and pay fee pressure to lead big, lack nation of public finance support with collective unit of the kit hand over a fee, and retire to enjoy life a fund of luck camp and management not reasonable.These will beg our country to village endowment insurance gold of raise and build up science efficiently of system, practice personal, collective, government three raise to combine together, establishment multilayers of pay fee standard and pay a fee way, establish specialized of funds management organization, reasonable science of usage raise of funds, make it creation the biggest effect and performance.[ Keyword] Village endowment insurance necessity The fund raise Raise to conceive目 录中 文 摘 要2Abstract3引言51 农村养老保险——时代的必然产物61.1农村养老保险的形成发展61.2农村养老保险的意义62养老保险基金筹集遇到的困难72.1农民收入水平低，缴费压力过大72.2缺乏国家的财政支持和集体单位的配套交费82.3养老基金的运营及管理不合理82.4农村社会养老保险法律法规的缺失83国外保险基金的筹集途径和经验9