城镇灵活就业人员养老保险研究-社会保障学专业论文.docx

摘 要 摘 要 在产业结构调整、经济结构转型的大背景下，我国城镇非全日制就业即灵活就业发 展迅猛，已逐步成为劳动力市场一种极其重要的就业方式。灵活就业的发展对扩大就业、 促进我国经济发展、支持经济结构转型等诸多方面了发挥了积极作用。然而，由于一些 机制、体制等问题，城镇灵活就业人员作为一个独立的经济实体，其各方面的权益没能 得到很好的落实，特别是在养老保险方面，相当数量的灵活就业人员无法进入我国社会 保障体系的覆盖范围，即使有些灵活就业人员已经进入养老保险体系，但是由于收入不 稳定、无法继续承担高昂保费而中断缴费。灵活就业人员的养老保障问题迟迟得不到解 决不仅会影响我国经济的可持续运行，而且无法发挥社会保障制度的公平性，不利于整 个社会的和谐稳定。因此，改变当前灵活就业人员的弱势群体地位，探寻适合其自身特 点的养老保障体系已成为当前社会保障领域亟待解决的课题。 本文对城镇灵活就业人员概念界定、类型划分、规模和发展走向等问题做了系统阐 述。通过对我国城镇灵活就业人员养老保障制度发展历程和现状的研究，系统分析了当 前我国灵活就业人员养老保险制度存在的不足之处，研究分析了国内典型地区已出台的 养老保险政策，为完善我国相关制度提供了借鉴之处。在此基础上，明确了建立和完善 我国灵活就业人员养老保险的总体思路和原则，针对不同收入水平的群体进行不同的制 度设计，并提出了完善城镇灵活就业人员养老保险制度的几项措施建议。 关键词 灵活就业 养老保险制度 弹性化制度 Abstract Abstract In the background of industrial structure restructuring and economic structure transformation, China urban part-time jobs(namely flexible employment) has made rapid development ,and it has gradually become a vital employment form in the labor market. The development of flexible employment has played a positive role in many aspects as to expand employment, promote economic development and support economic restructuring. However, As a separate economic entity, the many interests of urban flexible employees has not been implemented due to some mechanism, institutional and other issues. Especially in the old-age security, a considerable number of flexible employee in China can not enter the coverage of social security system, even if some have access to flexible employment pension insurance system, they had to interrupt insurance pension payment because of unstable income and exorbitant premiums. If the old-age insurance of the flexible employees can not be solved, it will not only affect the economy continuity but also make against the social harmony and stability. It has become an urgent subject in the current social security filed to change the disadvantages position of the flexible employees and to design an old-age insurance system which is really suitable for its own character. This paper illustrates the definition、scale and