完善我国农村养老保险法律制度的思考.doc

摘要:经过几十年的努力发展与改革，我国农村养老保险法律制度基本已经建立，并在保障农民基本养老权益，调节城乡收入差距等方面发挥了巨大作用。但是这项法律制度在运行过程中仍存在覆盖面窄，保障水平低，监管体制不健全等问题。本文通过分析我国农村养老保险法律制度存在的主要问题并借鉴外国农村养老保险法律制度的经验，对完善我国农村养老保险法律制度提出了具体的若干建议。

关键词：农村养老保险，社会保障，农民工，监管体制

Abstract:After decades of efforts to develop and reform the legal system of rural endowment insurance has basically been established, and the basic pension rights, the protection of farmers to adjust the urban-rural income gap has played a huge role. However, the legal system during operation, there are still narrow coverage, low level of protection, the regulatory system is not perfect. In this paper, the analysis of the legal system of rural endowment insurance and learn from the experience of the foreign legal system of rural endowment insurance specific number of recommendations to improve the legal system of rural endowment insurance.

Key words: Old-age insurance in rural areas, Social Security, Migrant workers， Regulatory regime

　　　农村养老保险法律制度是我国社会养老保险法律制度中的重要组成部分，是为了规范我国农村社会保险关系，使农村共享发展成果，促进社会和谐稳定而建立的制度。我国颁布实施了多部法律法规，如《中华人民共和国社会保险法》，《新型农村社会养老保险基金财务管理暂行办法》，《广东省社会养老保险条例》等等，其中部分规定与农村养老保险直接相关。但在实践过程中，我国很多地区的农村养老保险制度在运行过程中出现了大量问题，如征缴率低、征缴额小、保费收入大幅度下滑等等。这些问题直接导致了我国农村养老保险法律制度的实施陷入了困境。因此，完善我国农村养老保险法律制度是当前亟待的重要问题，也是本论文研究的意义所在。