【正文】 我國南北方農(nóng)村養(yǎng)老保險問題的對比分析摘要黨的十八大提出了全面建成小康社會的宏偉目標，也提出了美麗中國、中國夢等全新概念。在中國這樣一個擁有13億人口、農(nóng)業(yè)人口占比超過55%的農(nóng)業(yè)大國而言，如何解決好農(nóng)民養(yǎng)老保險問題，真正做到老有所養(yǎng)、老有所依，是實現(xiàn)小康社會的重中之重。2009年，國家開始實行農(nóng)村養(yǎng)老保險政策，加上商業(yè)保險，我國農(nóng)村養(yǎng)老保險已經(jīng)形成了國家政策養(yǎng)老保險和商業(yè)保險相結(jié)合的多種養(yǎng)老保險體系，我國農(nóng)村養(yǎng)老保險已經(jīng)取得了階段性成效。但是，我們也清醒的看到，由于受到自然經(jīng)濟發(fā)展水平、國家政策扶持力度不均、南北方經(jīng)濟區(qū)域差異及農(nóng)民認知差異等諸多因素的影響，我國也呈現(xiàn)出南北方農(nóng)村養(yǎng)老保險的較大差異。正是基于上述背景，本文提出了“我國南北方農(nóng)村養(yǎng)老保險問題的對比分析”這一課題，旨在通過本文的研究，全面概括我國南北方農(nóng)村養(yǎng)老保險的現(xiàn)狀，深入南北方農(nóng)村養(yǎng)老保險存在差異的具體原因，并針對性提出分析縮小南北方養(yǎng)老保險差異的具體對策，為全面深入解決我國農(nóng)村養(yǎng)老保險問題提供理論參考。本文首先闡述了我國南北方養(yǎng)老保險的現(xiàn)狀，并分析總結(jié)了南北方養(yǎng)老保險的差異性；其次從農(nóng)村自身發(fā)展和政策兩方面分析了南北方養(yǎng)老保險存在差異的原因；文章最后從多個角度提出了解決我國南北方差異的對策。文章內(nèi)容包括了堅持以人為本的創(chuàng)新理念，討論了堅持以人為本原則的重要性。最終把問題歸結(jié)到經(jīng)濟建設(shè)方面的差異造成了南北方農(nóng)村養(yǎng)老保險的差異，要消除南北方養(yǎng)老保險的差異性必先解決好經(jīng)濟發(fā)展不平衡的問題，得出了解決關(guān)于農(nóng)村養(yǎng)老保險差異性問題的一系列結(jié)論，對于我們國家解決農(nóng)村養(yǎng)老保險的問題具有一定的現(xiàn)實意義和參考價值。關(guān)鍵字：南北方；養(yǎng)老保險；發(fā)展現(xiàn)狀；差異；對策AbstractThe party39。s eighteen Congress put forward a prehensive welloff society in the grand goal, also put forward a beautiful China China dream, new concept. In this China has a population of 1300000000, the agricultural population accounted for more than 55% of the agricultural big country, how to solve the problem of farmers oldage insurance, really old, old age, is the priority among priorities of welloff society.In 2009, the country began to implement the rural endowment insurance policy, coupled with the mercial insurance, rural endowment insurance in China has formed a variety of endowment insurance system of the national policy of endowment insurance and mercial insurance bination, the rural endowment insurance in our country has achieved initial results. However, we also clearly see, affected by the natural level of economic development, national policy support, uneven regional economic North South differences and the cognitive differences and other factors, our country also show substantial differences in the north and the south of rural endowment insurance.It is based on the above background, this paper puts forward between North and South China rural endowment insurance problem analysis this topic, this paper aims to study, summarizing the status quo of China39。s north and south of rural endowment insurance, rural endowment insurance, deep North South differences with reason, and put forward the specific countermeasure analysis to narrow the North South differences for oldage insurance, prehensive and indepth to provide theoretical reference to solve the rural endowment insurance in china.This paper expounds the present situation in the north and south of China endowment insurance, summarizes and analyzes the differences between the north and south of endowment insurance。 two second development from the countryside and policy analysis of the north and south of endowment insurance differences。 finally, from the point of view put forward the countermeasure to solve the differences between North and South China.The article includes the concept of innovation adhere to the peopleoriented, discussed the importance to adhere to the peopleoriented principle. Finally the differences problem to the economic construction of the North South differences caused by the rural endowment insurance, to eliminate the differences between the north and South have oldage insurance to solve the problem of unbalanced economic development, the solution to a series of conclusions about the problem of rural oldage insurance differences, has certain practical significance and reference value for us to solve the problem of rural endowment insurance.Keywords: The north and South。 endowment insurance。 development status。 difference。 countermeasure目錄摘要 1緒論 5（一）研究背景及意義 5研究背景 5研究目的及意義 6（二）文章主要內(nèi)容及結(jié)構(gòu) 7（三）相關(guān)文獻綜述 9一、南北方養(yǎng)老保險差異的現(xiàn)狀 10（一）我國南北方農(nóng)村養(yǎng)老保險存在差異情況綜述 10北方農(nóng)村養(yǎng)老保險的現(xiàn)狀 11南方農(nóng)村養(yǎng)老保險現(xiàn)狀分析 14（二）南北方農(nóng)村養(yǎng)老保險存在差異的影響 17二、南北方養(yǎng)老保險存在差異的原因 19（一）南北方農(nóng)村自身經(jīng)濟發(fā)展情況不同 20（二）南北方農(nóng)村養(yǎng)老保險政策的差異 21三、解決南北方農(nóng)村養(yǎng)老保險差異的對策 22（一） 政府層面應(yīng)當充分發(fā)揮指揮官的作用 22要進一步完善養(yǎng)老保險體制和機制建設(shè)，從根本上降低南北方農(nóng)村養(yǎng)老保險的差異 22要加強農(nóng)村地區(qū)商業(yè)養(yǎng)老保險的推廣工作，普及養(yǎng)老保險知識 25要加大養(yǎng)老保險政府補貼力度，并根據(jù)經(jīng)濟發(fā)展的實際同步調(diào)整養(yǎng)老保險待遇 26注重經(jīng)濟鄉(xiāng)鎮(zhèn)、街道的干部，縮短南北差距 28建立起以人為本的養(yǎng)老保險良好環(huán)境 29（二）社會組織要積極投身到養(yǎng)老保險的建設(shè)工作當中 30（三）農(nóng)民自身也要重視養(yǎng)老保險，積極參保 31四、結(jié)束語 32參考文獻： 34致 謝 37緒論（一）研究背景及意義研究背景我國已經(jīng)步入老齡化社會，相關(guān)部門預(yù)計到本世紀中期，我國老齡化將達到頂峰。但是，隨著老齡化的不斷深入，同時出現(xiàn)的是如今80后、90后在未來2030年后面臨的一對夫妻供養(yǎng)四個老人的難題也越來越嚴峻。特別是我國這樣一個擁有13億人口，農(nóng)村人口比重超過55%的農(nóng)業(yè)大國，農(nóng)村養(yǎng)老保險工作已經(jīng)刻不容緩。為應(yīng)對不久后的養(yǎng)老難題，國家近日提出了放寬夫妻雙方獨生子女二胎的政策，目的是通過放開二胎政策提高我國人口出生率，有效應(yīng)對未來面臨的養(yǎng)老難題。早在2009年，國家就在全國范圍內(nèi)推廣實施了居民養(yǎng)老保險政策，特別是針對廣大農(nóng)村地區(qū)，