摘要我国的社会养老保险已经从城市开始延伸到农村，本文对栖霞的农村养老保险现状进行了调查研究，着重调查了。。。。。。。。。，分析了养老保险中存在的亟待解决的相关问题，结合栖霞的经济发展与风俗习惯给出了具体的建议。本文的研究目的是为了发展和完善栖霞农村养老保险体制，力求在基于栖霞政府财政的现实考虑，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，以及与之相应的配套措施。关键字：养老保险；农村养老保险；养老保险体系；栖霞AbstractSocialendowmentinsuranceinChinahasbeenfromthebeginningofthecityextendedtoruralareas，thispapermadeinvestigationtoQixiaruralpensioninsurancesystem，describesthecurrentsituationintheimplementationoftheruralold-ageinsurancepolicyinQixia，analyzedtheproblemurgentlytobesolvedinthepresenceofpensioninsurance，combinedwiththeeconomicdevelopmentandcustomsofQixiagiventhespecificadvice.TheresearchperspectiveofthispaperistoperfectanddevelopQixiaruralold-ageinsurancesystem，fromtheangleofgovernmentfinancialpolicy，inordertoraise，control，operationtofindamostsuitableforQixiaruralsocialendowmentinsurancefundsandaseriesoffinancialmanagementmodeandthecorrespondingcoordinatedsetsofmeasures.Keywords：old-ageinsurance;ruralendowmentinsurance;endowmentinsurancesystem;Qixia目录摘要................................................................3Abstract............................................................3前言................................................................91文献综述..........................................................91.1研究背景.......................................................101.2研究目的.......................................................101.3研究意义.......................................................101.4研究内容.......................................................131.5研究方法.......................................................131.6国内外的研究现况...............................................141.6.1国内研究现状.................................................141.6.2国外研究现状.................................................192栖霞农村养老保险市场状况分析....................................222.1栖霞农村人文地理经济发展情况简介...............................222.2栖霞农村养老保险的实践案例分析.................................233栖霞养老保险在实施过程中存在的问题...............................273.1参保率较低.....................................................273.2栖霞政府承担养老保险面临巨大的财政困难.........................283.3栖霞养老保险体系缺乏商业运作机制的参与.........................293.4栖霞养老保险的保障能力十分有限.................................304完善栖霞养老保险的建议...........................................304.1不断完善社会保障制度...........................................314.2采用弹性资金投资方式...........................................324.3多方统筹提升养老保险的保障水平.................................324.4拓展资金的筹集渠道.............................................334.4.1资金的筹集渠道...............................................334.4.2养老金缴纳的时间柔性安排.....................................344.4.3养老金的使用与保值增值.......................................354.5提倡社区助老服务，推进老年服务社会化...........................36结论...............................................................36参考文献.....................................................
