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农民工养老保险覆盖率低的原因分析及对策研究
引用本文:汪兆旗. 农民工养老保险覆盖率低的原因分析及对策研究[J]. 西华大学学报(哲学社会科学版), 2009, 28(3)
作者姓名:汪兆旗
作者单位:西华大学建筑与土木工程学院,四川成都,610039
摘    要:农民工的养老问题已经成为人们高度关注的焦点.文章认为,目前我国农民工养老保险覆盖率低的主要原因是:地方政府在建立农民工社保的问题上存在顾虑;制度上的城乡分割状况;一些民营企业参保不积极;农民工个人对参保缺乏积极性;城镇社会保险门槛高,操作缺乏灵活性;农民工对养老保险的认识短视.针对这些原因,文章提出了七点建议:让地方政府同企业一起承担义务,完善社会保障制度;为农民工设计出一套统一完善、各省统筹的保障制度;实行"完全积累型","低缴赍低待遇","多层次广覆盖"政策,并作为农民工养老保险的基石.等七点建议;对农民工的个人养老储蓄实行严格的制度化管理;加快建立全国统一的农民工个人账户信息管理系统;建立农民工社会救助制度;加强对农民工的教育力度.

关 键 词:农民工  养老保险  原因  对策

On the Low Coverage Rate of Farmer-Workers' Old-age Insurance
WANG Zhao-qi. On the Low Coverage Rate of Farmer-Workers' Old-age Insurance[J]. Journal of Xihua University:Philosophy & Social Sciences, 2009, 28(3)
Authors:WANG Zhao-qi
Affiliation:College of Architecture & Civil Engineering;Xihua University;Chengdu;Sichuan;610039;China
Abstract:The old-age insurance of farmer-workers has caught people attention recently.The article believes that the current low coverage rate of old-age insurance of China's farmer-workers result from: the hesitation of local governments in establishing the social security for farmer-workers;the institutional division of urban and rural areas;the reluctance of some private companies for applying insurance;the lack of enthusiasm for the insurance from farmer-workers;high threshold of the urban social insurance,the la...
Keywords:farmer-workers  old-age insurance  causes  countermeasures  
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