摘　要

社會保障制度尤其是基本養(yǎng)老保險(xiǎn)制度作為國家的一項(xiàng)福利制度，是屬于全社會的公共福利。不斷加快的工業(yè)化和城市化進(jìn)程，使部分農(nóng)民失去賴以生存的土地，同時(shí)又未獲得就業(yè)和社會保障，不僅生活困難，養(yǎng)老也得不到保障；加之農(nóng)村人口老齡化的問題也日益嚴(yán)重。 時(shí)至今日，我國還沒有一部系統(tǒng)完整的社會保障法規(guī)，農(nóng)村社會保障工作缺乏法律依據(jù)和制度保障。從總體上看，大多是以政策、通知、會議等形式進(jìn)行落實(shí)，缺乏規(guī)范性和持續(xù)發(fā)展性。農(nóng)村社會養(yǎng)老保險(xiǎn)制度的建立、運(yùn)行以及保障金的發(fā)放，不是按照嚴(yán)格的法律程序，而是按照地方政府部門的一些規(guī)章制度執(zhí)行的，根本不是農(nóng)民與政府的一種長期契約。這些問題已經(jīng)不容忽視地?cái)[在了我們面前，老齡化的日益嚴(yán)重導(dǎo)致的最大問題是養(yǎng)老問題，而養(yǎng)老問題中最難解決的是毫無保障的農(nóng)民的養(yǎng)老問題。作為農(nóng)業(yè)大省的河南將如何面對這些難題，設(shè)計(jì)符合河南省實(shí)際情況的農(nóng)村養(yǎng)老保險(xiǎn)制度？
本文通過分析國內(nèi)外實(shí)施的農(nóng)村養(yǎng)老保險(xiǎn)制度，結(jié)合河南省農(nóng)村養(yǎng)老的現(xiàn)狀分析了我省的農(nóng)村養(yǎng)老保險(xiǎn)模式，結(jié)合河南省成功的新農(nóng)合的“新鄉(xiāng)模式“和山東省的萊蕪市在農(nóng)村養(yǎng)老方面采取的政府牽頭、商業(yè)運(yùn)作、惠及農(nóng)民的新型養(yǎng)老模式來分析河南省農(nóng)村養(yǎng)老保險(xiǎn)的運(yùn)行機(jī)制。

關(guān)鍵詞：養(yǎng)老保險(xiǎn)制度；河南省新型農(nóng)村養(yǎng)老保險(xiǎn)；農(nóng)村養(yǎng)老保險(xiǎn)模式；運(yùn)行機(jī)制


Abstract

Social security system, particularly the basic pension insurance system as a state welfare system, is part of the whole society public welfare. Accelerating industrialization and urbanization, making some farmers lost their land, at the same time without access to employment and social security, not only the difficulties of life, pensions are not guaranteed; coupled with the aging of the rural population is also growing. Today, China is still not a complete system of social security regulations, the rural social security system, the lack of legal basis and protection. Overall, mostly based on policies, notices, meetings and other form of implementation,
Lack of normative and sustainable development. Rural social endowment insurance system was established, running and security payments paid, not according to strict legal procedures, but some rules and regulations in accordance with the implementation of local government departments, and farmers and the government is not a long-term contract. These problems have been placed can not be ignored us in the face of the growing aging caused the biggest problem is the pension issue, the most difficult to solve the pension problem is no guarantee that farmers in the pension problem. As a large agricultural province of Henan, how to face these challenges, designed to meet the actual situation in rural Henan Province, old-age insurance system?
This paper analyzes the domestic and international implementation of the rural pension system, combined with the status of Rural Pension analysis of rural endowment insurance model in our province, combined with the success of the New Rural Cooperative in Henan Province's "Xinxiang mode" and Laiwu City, Shandong Province in the rural areas the lead taken by the government pension, business operations, to benefit farmers in Henan Province of new pension model to analyze the operation of rural endowment insurance system.

Key Words: old-age insurance system; Henan Province, the new rural endowment insurance; rural endowment insurance model; Operating mechanism
目錄

引言 1
一 河南省農(nóng)村養(yǎng)老現(xiàn)狀分析 3
（一）河南省現(xiàn)行的農(nóng)村養(yǎng)老方式 4
1.以家庭養(yǎng)老為主的養(yǎng)老方式 4
2.家庭養(yǎng)老保障功能逐步弱化 5
（二）河南省農(nóng)村養(yǎng)老保險(xiǎn)現(xiàn)狀分析 5
1.河南省農(nóng)村養(yǎng)老保險(xiǎn)的現(xiàn)狀 5
2.河南省老農(nóng)村養(yǎng)老保險(xiǎn)存在的問題 7
二 國內(nèi)外較為成功的保險(xiǎn)模式分析 9
（一）國內(nèi)比較成功的農(nóng)村養(yǎng)老保險(xiǎn)模式 9
1.老農(nóng)保模式 9
2.山東省的新型農(nóng)村保險(xiǎn)模式 10
3.河南省新型農(nóng)村合作醫(yī)療保險(xiǎn)“新鄉(xiāng)模式” 11
（二）國外較為成功的農(nóng)村養(yǎng)老保險(xiǎn)模式 12
1.日本、德國、法國的養(yǎng)老保險(xiǎn)制度 13
2.新加坡模式 13
三 河南省新型養(yǎng)老保險(xiǎn)的運(yùn)行機(jī)制的建議 14
（一）可嘗試政府牽頭商業(yè)保險(xiǎn)公司運(yùn)作的運(yùn)行機(jī)制 14
1.優(yōu)勢 15
2.潛在的風(fēng)險(xiǎn) 16
（二）探索我省新型農(nóng)村養(yǎng)老保險(xiǎn)模式的建議 17
1.從政策上 17
2.從宣傳上 20
3.商業(yè)保險(xiǎn)公司 20
結(jié)束語 20
參考文獻(xiàn) 22
致謝 24
附錄： 25
（一）山東省萊蕪市農(nóng)村養(yǎng)老保險(xiǎn)實(shí)施情況 25
（二）河南省統(tǒng)計(jì)年鑒 26