商业保险参与农村养老保险制度研究(硕士)
商业保险参与农村养老保险制度研究(硕士)(论文31000字)
摘要
社会制度决定了我国必须关注农民的根本利益问题，我国也一直从未停止对构建合理科学的农村养老保险制度的脚步，2009年，我国国务院正式颁布了《国务院关于开展新型农村社会养老保险试点的指导意见》代表着农村保障体系进入了一个新的高度，这意味着全新的农村社会养老制度在逐渐被实行。随着我国农村经济的不断发展，农民生活水平的提高，农民对于自身生活质量提升的愿望也越来越强烈，但与之形成鲜明对比的是，由于城乡二元制度无法得到根除，相较于城市，农村保障体系十分孱弱，其中也包括农村养老保障制度。因此，建立农村养老保障制度就显得尤为重要，这关乎到农民的切身利益，农村经济的稳固发展以及社会公平的稳定推进，其意义重大。
本文首先介绍论文的研究背景和选题的目的和意义，通过对目前国内外研究现状的描述，阐述了文章的内容及组织结构并明确了研究思路；其次从商业保险与养老保险基本内涵分析、理论分析两个方面做着力的探索，前者界定相关理论基础，为本文的研究限定范围和厘清界限；再次，分析农村社会养老保险现状与问题，并根据农村养老保险的现实发展情况来作进一步的剖析，分析农村养老保险制度发展中面临的问题和不足，为商业保险参与农村养老保险制度的发展奠定坚实的现实基础；再次，探寻农村商业保险支持农村养老保险对策，本文一方面阐释商业保险参与农村养老保险制度建设的优势，另一方面寻出商业保险参与农村养老保险制度的合理途径；最后构建符合商业保险参与农村养老保险的保障制度大力发展农村经济，切实提高农民收入、完善农村社会养老保险的法律保障体系、制定商业保险参与农村社会养老保险的规划、完善农村养老保险经办及协办机构设置、加强农村社会养老保险的信息化建设为我国新型农村养老保险的稳固发展提出几点较为科学合理的建议。 [资料来源：http://doc163.com]
综上所述，笔者针对商业保险参与农村养老保险制度进行了系统性和创新性的研究，力图为我国保农村养老保险制度改进提供具有可操作性的对策建议。因此，本选题具备可行行和可操作的价值性。
关键词：商业保险；农村；养老保险；制度
Abstract
Social system determines the our country must be the fundamental interests of the farmers concerned about problems, China has never stopped on the construction of the pace of the rural endowment insurance system which is scientific and reasonable, in 2009, China's State Council formally promulgated the "State Council on carrying out the new rural social pension insurance guidelines" on behalf of the security system in rural areas to a new height, which means that the new rural social pension system is gradually being implemented. With the continuous development of the rural economy in our country, the improvement of the living standards of farmers, farmers to improve the quality of life of their desire is also more and more strong, but with the form bright contrast, due to the dual system between urban and rural areas can not be eradicated, compared with urban, rural social security system is very weak, which also includes the rural old-age security system. Therefore, the establishment of the rural old-age security system is particularly important, which relates to the vital interests of farmers, rural economic development and social justice, and its significance. [来源：http://Doc163.com]
This paper first introduces the purpose and significance of the research background and the topic, the current research situation at home and abroad are described, expounds the contents and structure of this thesis and the research ideas; secondly, from the analysis of commercial insurance and pension insurance basic theory analysis to explore the two aspects, the definition of related theoretical basis for this study, define the scope and clarify the boundaries; thirdly, analysis the present situation and problems of rural social endowment insurance, and to make further analysis according to the current situation of rural endowment insurance, analyzes in the development of rural endowment insurance system problems and deficiencies, which lays a solid foundation for the development of commercial insurance in the rural endowment insurance system again, the rural endowment insurance; explore the countermeasures to support rural commercial insurance, on the one hand, interpretation of commercial insurance to participate in the construction of the rural old-age insurance system, on the other hand, to find out the reasonable way of commercial insurance in the rural old-age insurance system; finally establish commercial insurance in rural old-age insurance protection system, vigorously develop the rural economy, improve the income of the farmers, improve the rural social endowment insurance Insurance legal system, the development of commercial insurance to participate in rural social endowment insurance planning, improve the rural old-age insurance agency and co institutional settings, put forward a more scientific and reasonable suggestions for the stable development of China's new rural endowment insurance to strengthen the informatization construction of rural social endowment insurance.
[资料来源：http://Doc163.com]
To sum up, the author involved in commercial insurance for old-age insurance system in rural areas were systematic and innovative research, tries hard for our country insurance system of rural endowment insurance improvement to provide operational countermeasures and suggestions. Therefore, this thesis is feasible and feasible.
Key words: commercial insurance; rural; endowment insurance; system
目录
摘要 I
Abstract II
1 绪论 1
1.1研究背景 1
1. 2研究问题与意义 1
1.3文献综述 2
1.3.1国内文献综述 2
1.3.2国外文献综述 3
1.4研究思路 4
2 概念界定 6
2.1商业保险与养老保险基本内涵分析 6
2.1.1商业保险 6
2.1.2养老保险基本内涵 6
2.1.3商业保险与养老保险关系 6
[来源：http://www.doc163.com]
2.1.4商业保险参与农村养老保险基本内涵 7
2.2理论分析 8
2.2.1金融深化理论 8
2.2.2平等与效率交替理论 8
2.2.3商业保险功能理论 9
2.2.4社会扶持理论理论 9
3 农村社会养老保险现状与问题分析 11
3.1我国农村养老保险发展历程 11
3.1.1探索时期 11
3.1.2初始创新时期 12
3.1.3全面改革时期 12
3.2新型农村社会养老保险试点现状 12
3.2.1农村社会养老保险运行现状 12
3.2.2影响农村商业保险参与农村养老保险发展因素 13
3. 3农村社会养老保险存在的主要问题分析 15
3.3.1农村对养老保险认知度较低 15
3.3.2养老保险制度设计不合理 16
3.3.3养老保险制度执行力低，降低参保持续动力 16
3.3.4商业保险支持新农保的模式有待进一步创新 17 [来源：http://Doc163.com]
4 农村商业保险支持农村养老保险对策分析 18
4.1商业保险参与农村养老保险优势分析 18
4.1.1商业保险提供基金管理服务以提升资金运用水平 18
4.1.2商业保险参与经办服务以提高运行效率 18
4.1.3商业保险与新农保深入合作以解决疑难和提高保障水平 18
4.1.4商业保险参与制度设计、提供保险产品以促进个人缴费持续性 19
4.2商业保险参与农村养老保险策略分析 19
4.2.1 加强政策宣传，树立农村居民参保意识 19
4.2.2拓展商业保险参与渠道，降低农村养老保险费率 20
4.2.3创新商业保险服务机制，提升参与效率 20
4.2.4政府部门加大扶持力度，加强监管和引导 21
4.2.5借鉴国际相关经验，取长补短 21
5农村商业保险支持农村养老保险的实施保障研究 23
5.1大力发展农村经济，切实提高农民收入 23
5.2完善农村社会养老保险的法律保障体系 23
5.3制定商业保险参与农村社会养老保险的规划 23
5.4完善农村养老保险机构设置 24
5.5加强农村社会养老保险的信息化建设 24
6 结论 26
参考文献 27
致谢 28
[资料来源：http://Doc163.com]