廊坊市养老保险问题研究-工业工程专业论文.docxVIP

t.... t.. .. 摘要 中国社会保障制度始于 1951年颁布的中华人民共和国劳动保险条例， 规定了企业职工基本养老保险制度。 1978年开始，我国将养老保险制度改成 了退休金形式的养老保障制度。 改革开放以来，我国开始从计划经济向有计划的市场经济和市场经济转 变。在此过程中，经济发展多元化，许多新兴企业诞生，企业职工面临养老 保障问题:在市场经济面前，国布企业背负的沉重的退休金负担，巳使产品 咖 失去了竞争力，特别是人口快速高龄化使企业负扭越来越嚣，原有养老保障 制度巳不切合实际需要，固有企业养老保障制度改革日益急迫。在多种因素 影响下，我国又一次逐步推行了多种形式的养老保险制度。近些年，在经济 快速发展的前提下，我罔提出了建设和谐社会的执政理念，者有所养得到高 度重视，养老保险的覆盖面在不断扩大，现在不仅在城市，而且在农村地区 也远步在实施养老保险制度，通过国家、社会和个人共问负担的资金筹集方 式解决养者保险问题。 廊坊区域发展不均衡，农村人口约占七成，农民普遍贫穷，包含乡镇企 业职工、农民工与农民加入养老保险制度的能力和意愿也不一致，采用何种 模式的养老保险方法以及什么样的推进力度，是确保养老保险制度得以推广 实施的重要问题。 本文以社会保障、保险的基本原理为依据，通过分析国内外的养老保险 的发展过程、方式方法和现状，结合廊坊市实际情况，以城市和农村两类人 群为对象，对廊坊市养老保险的现状、发展趋势和多种保险模式共用进行阐 述和分析。以求用以建立健全和全面推广多模式的养老保险体系。 关键词:廊坊养老保险改革 Abstract 、 (). Chinese Social Insurance System is established by Labor Insurance Regulations of the Peoples Republic of China 1951 which regulates endowment insurance system of enterprise labors. Chinese Social Insurance System will be changed to the form of pension forms since 1978. Since the reform and opening up，China began a planned economy to market economy and planned market economy. In the process，to diversify the economy， the birth of many new companies，pension security issues faced by enterprise employees; in 仕ont of a market economy，state.owned ente巾rises to bear 由e heavy burden of pensions has been to make our products less competitive， especially rapid population aged increasingly heavy burden of the en阳甲rise，也e original Social Insurance system is not practical and Social Insurance system reform of state-owned enterprises become increasingly urgent. In a number of factors，China has once again gradually introduced various forms of Social Insurance system. Recent years，rapid economic development under the premise of building a harmonious society of China put forward the conc叩t of govemance ， a sense of security given high priority ，Social insurance coverage continues to expand，and now not only in cities but in rural areas to gradually implementation of the pensi