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摘要：随着我国经济的发展，人口老龄化、少子化等问题在社会转型期间引起了人们对养老保险探讨的热潮。然而我国农村的人口老龄化现象较之城市甚至其他国家都更为严重，加上农村贫困人口多,传统土地养老、家庭养老功能的弱化,“老农保”保障力度小,迫切需要一种新的社会养老保险模式来保障农村老年人的生活。“新农保”在完善“老农保”的基础上出台,既实现了制度供求的暂时均衡,又弥补了农村养老的不足,推动了我国和谐社会的发展,有利于实现社会保障体系的完整性。23204
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通过对浙江省宁波市“新农保”制度的现状与现实约束的分析，从而来探讨对“新农保”制度变迁中存在的问题的应对措施,实现“新农保”制度变迁的渐进式改革，以利于积极推进新型农村社会养老保险工作的开展。
毕业论文关键词：新型农村养老保险制度；现实约束；措施
Realistic constraints of new rural social pension insurance system practice—Taking Ningbo of Zhejiang Province as an example
Abstracts: With the development of our national economy, the problem of population aging period, few children in the social transformation caused the upsurge of endowment insurance of people. However, city population aging phenomenon in the countryside of our country and other countries is more serious, and rural poverty population, the weakening of traditional land pension, family pension function, “Paul Farmer” security force is small, the urgent need for a new mode of social endowment insurance to guarantee rural elderly life. “The new agricultural insurance” issued in the foundation to perfect “farmer”, not only realize the transient equilibrium system of supply and demand, and make up for the deficiency of the rural old-age, promoted the development of a harmonious society in China, is conducive to the realization of the integrity of the social security system.
By analyzing the present situation of the new agricultural insurance system and practical constraints of Ningbo , so as to explore the measures of “the existence of the new agricultural insurance” problem in the institutional changes, to realize the gradual reform of the new agricultural insurance system change, in order to actively promote the development of new rural social pension insurance to work.
Keywords: The new rural endowment insurance system； Realistic constraints； Measures
目录
一、绪论.1
（一）研究背景 ....1
（二）研究的目的与意义...1
二、文献综述...2
（一）国内研究现状.2
（二）国外相关情况研究...3
（三）研究综述.....5
三、宁波市新型农村社会养老保险制度的现状和发展趋势.5
（一）宁波市新型农村社会养老保险制度的现状.5 （二）宁波市新型农村社会养老保险制度的发展趋势...6
四、宁波市新型农村社会养老保险制度实践的现实约束...7
（一）认知约束.....7
（二）财政约束.....7
1、 当前新农保基金的管理仍然沿用县级管理模式....8
2、 农保基金将面临收不抵支的风险....8
（三）机制约束.....8
五、宁波市新型农村社会养老保险制度实践的对策建议...9（一）加强新型农村社会养老保险政策宣传.....9
（二）建立以政府财政支持为重点的筹资体系...9
1、增加政府的补贴水平..... ...9
2、明确界定各级政府的筹资责任.9
3、弱化村集体在资金分摊中的责任....10
4、建立国有资产收入向新型养老保险制度建设的投入机制..10
（三）完善新型农村社会养老保险机制..10
1、完善新农保基金运营安全机制10
2、探索新农保与其他制度的有效衔接机制....10