浅谈栖霞农村居民养老保险体系钟嘉妮(商学院，公共事业管理专业，2010级1班，20101637222)摘要：近几年来，我国的社会养老保险已经从城市开始延伸到农村，养老保险的覆盖面在逐渐扩大，这就意味着将来会有越来越多的人享受到社会养老保险的待遇。这是以人为本的社会发展观的具体要求，也是社会收入再分配的具体要求，更是党的“十六大”对完善我国“三农问题”的具体要求。农村养老保险政策的实施也缓解了农村的养老压力，改变了农村养老方式，实施成功的话具有很多优点。但是，因为我国本来的城镇与农村的收入结构与支出结构的差别比较大，再加上农村人口对于养老保险的认识问题，一些养老保险的政策以及实践在农村的进度情况并不理想，期间暴露了很多问题。本文以烟台栖霞农村居民的养老保险为例，从制度与体系的角度对农村养老保险体系进行研究分析，首先概括了栖霞农村养老保险的具体范畴，明确了本文的研究方向。然后将栖霞在实践中的情况与回家规定的相关情况进行对比，明确目前栖霞在实施农村养老保险策略中的基本现状，并分析问题原因，最后总结问题，结合栖霞的经济发展与风俗习惯给出了具体的建议。本文的结构基本上是按照发现问题，分析问题解决问题的步骤进行展开的。本文的研究角度是对栖霞农村养老保险体制的完善与发展，指明解决问题的重要性，并从政府财政政策的角度，力求找出一个最适宜栖霞农村居民社会养老保险资金的筹措、控制、运营等一系列资金管理的方式与相应的配套措施。本文的创新之处在于结合目前栖霞农村的新状况，对最适宜的养老保险政策提出了自己的看法，并运用多种新角度、新视角切入问题，进行研究，关键字：养老保险、农村养老保险、养老保险体系、栖霞Discussion on Qixia endowment insurance system for rural residentsZhong Jiani(20101637222,Class 1,Grade 2010,Public Affairs Management Major,School of LuDong UniversityAbstract China's social endowment insurance has extended to the countryside from the city in recentyears;the coverage of endowment insurance is expanding gradually,which means that there will be more andmore people enjoying social endowment insurance treatment.This is the view of social developmentrequirements,but also specific requirements of social income redistribution,it is even the specific requirementof our country "three dimensional rural issues "in the party's"Sixteenth Congress".The policies of ruralendowment insurance had alleviated the pressure of the rural old-age,had also changed the way of ruralpension.So there will be many advantages if it is carried out successfully.However,because there are largestructure of income differences and expenditure structure differences between the urban and rural in ourcountry,what's more,the rural population didn't realize the importance of endowment insurance,and somepension insurance policies and some practice in rural progress is not ideal,so many problems occurred duringthe practice.This article regards the rural endowment insurance of Qixia residents as an example,and analyze the ruralendowment insurance system from the perspective of policy and system,firstly I will summarize the specificcategory of endowment insurance in Qixia rural area,it is the clear direction of this study,then I will give ancontraction between practice of Qixia and the state regulations,the aim is to make sure the present ruralendowment insurance strategies status of Qixia,and analyze the cause of the problem,finally I wouldsummarize the problems,and then give some specific suggestions combined with the economic developmentand the customs of Qixia.The structure of this paper is basically in accordance with the step of findingproblem,analyzing problem and solving problem.This article's research point is the consummation and development of Qixia rural area endowmentinsurance system,to specify the importance that solves the problem,and from the angle of view thatgovemment fiscal policy,try to find a most suitable way for Qixia rural social endowment insurance fund toraise money,control money and operate money and a series of financial management mode and thecorresponding measures.The innovation of this paper lies in combining the new situation in rural areas ofQixia and use a variety of new perspectives,new perspective to find the most appropriate pension insurancepolicies.Keywords:endowment insurance,rural endowment insurance,pension insurance system,Qixia目录摘要：1.论文介绍.2、栖霞社会养老保险的具体范畴5552.3、栖霞的社会养老保险体系.....62.4、栖霞农村社会养老保险特点.……62.2.栖霞农村养老保险制度建设相关内容72.2.2新农村建设.2.2.3栖霞农村社会保障状况.·72.2.4农村养老保险.…3、.栖霞农村养老保险制度建设现状和环境分析·3.1农村养老保险制度建设状况和环境分析..··93.3.与城市相比，国家对农村养老保险工作的重视程度远远不够.......·94.1、新型养老保险虽然比原来的普及程度高，但是仍存在参保率不理想的情况。104.3、农村养老保险很大程度上是一种商业保险，却缺乏商业保险的运作机制.·11115.1、增加养老金与养老服务的替代功能，提高制度保障的有效性。12125.3、各级政府多方统筹、多种方式，增加养老保险的保障水平135.4.2、交纳养老保险金时的灵活掌握135.4.3基金的运行与保值增值......6、总结…8、致