【作者】 赵娜；

【导师】 闫新生；

【作者基本信息】 河北大学 ， 社会保障， 2017， 硕士

【副题名】以卢龙县为例

【摘要】 随着我国经济社会的发展,工业化和城镇化进程加快,人口老龄化日益严重,养老问题突出。我国是一个农业大国,农村人口占总人口的大多数,随着我国进入老龄化社会,加之农村经济基础薄弱,农民养老问题成为社会关注的焦点。2012年,河北省合并实施了新型农村社会养老保险与城镇居民社会养老保险制度,统称为城乡居民社会养老保险。由于城市和农村经济发展水平、人文及地理环境以及具体政策等方面存在差异,本文以城乡居民社会养老保险中的农村居民作为研究对象。本文从河北省卢龙县农村居民参加城乡居民社会养老保险的现状出发,分析农村居民参保及缴费水平情况,同时以马斯洛需求层次理论、消费者行为理论、理性选择理论为基础,分析农村居民缴费选择行为。论文采用问卷调查、实地访谈、文献研究、问卷分析和交叉分析等相结合的方式,从农村居民个人及家庭层面、政府层面和制度层面分别分析了农村居民缴费水平低的影响因素。论文认为,农村居民趋同心理及养老观念、政策认知度、政策满意度和信心度、家庭收入水平、家庭支出分配等因素,政府层面中忽视缴费水平、宣传不到位以及政府不良作风等因素,制度层面中缴费补贴弹性低、养老金待遇低等因素,均对农村居民的缴费水平有一定影响,并针对这些因素提出了相应的完善对策。更多还原

【Abstract】 With the development of China’s economy and society,the process of industrialization and urbanization is speeding up.Thus the aging of population gradually stand out.China is a large agricultural country,of which the rural population accounts for the majority of the total population.With China stepping into the aging society,coupled with the weak rural economic foundation,the pension problem of rural residents has become the focus of social concern.since 2012,the combining implementation of the new rural social pension insurance and urban residents’ social pension insurance system in Hebei province is collectively referred to as urban and rural residents social pension insurance.Due to the differences in the development level of urban and rural economic,culture and geographical environment,as well as specific policies,this paper takes the rural resident covered in the urban and rural residents pension insurance as the research object.Starting with the description of the current participation situation of the urban and rural social endowment insurance in Lulong County of Hebei Province,this paper analyzed its participation and contribution condition.At the same time,based on the Maslow’s hierarchy of needs theory,consumer behavior theory and rational choice theory,this paper analyzed the rural residents’ payment choice behavior.By using the methodologies of questionnaire investigation,interview,literature research,and the combination of the questionnaire analysis and cross analysis,this paper analyzed the influencing factors of rural residents’ pension contribution respectively from perspectives ofindividual,governments,institutional.This paper finds out the influencing factors are as follows: on the individual level,the rural residents’ short-sight,the psychology of convergence,pension idea,policy awareness,policy satisfaction and confidence degree,family income,and family expenditure;on the government level,the neglect of contribution level,insufficient propaganda and bad style of the governments;on the institutional level,inelasticity of the payment subsidies and the low benefit level,and to take corresponding countermeasures to solve these problems.更多还原