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，着重调查了目前栖霞县养老保险的现状，分析了养老保险中存在的亟待解决的相关问题，并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,thispapermadeinvestigationtoQixiaruralpensioninsurancestatus,focusingontheinvestigationofthepresentsituationofQixiaCountyofendowmentinsurance,analyzestheproblemsexistinginold-ageinsurance,andeconomicdevelopmentandcustomsofQixiaisgiveninthispaper.Advice.TheaimofthisstudywastodevelopandperfectQixiaruralendowmentinsurancesystem,inordertoconsidertheQixiagovernmentfinancebasedonthereality,findoutthecollection,control,operationofaruralresidentsaremostsuitableforQixiasocialendowmentinsurancefundsandaseriesoffinancialmanagementmethods,aswellasthesupportingmeasuresandthecorresponding.Keywords：old-ageinsurance;ruralendowmentinsurance;endowmentinsurancesystem;Qixia目录摘要...............................................................I前言................................................................11绪论..............................................................21.1研究背景....................................................21.2研究目的和研究意义..........................................31.3研究内容.....................................................41.4研究方法.....................................................51.5研究现状....................................................61.5.1将土地保障、家庭保障与社会保障相结合...................61.5.2分层管理农民的养老问题.................................61.5.3提出创新制度，打破原有框架.............................72栖霞农村养老保险市场状况分析......................................92.1栖霞农村人文地理经济发展情况简介............................92.2栖霞农村养老保险的实践案例分析...............................92.2.1栖霞农村养老保险市场运行环境和状况....................112.2.2栖霞农村社会养老保险特点..............................133栖霞养老保险在实施过程中存在的问题...............................153.1农民对养老保险的了解渠道单一...............................153.2参保率较低.................................................163.3新型农村养老应该分层次.....................................173.4政府责任不到位.............................................183.5新型农村社会养老保险的立法不够完善.........................193.6栖霞政府承担养老保险面临巨大的财政困难....................203.7栖霞养老保险体系缺乏商业运作机制的参与......................203.8栖霞养老保险的保障能力十分有限..............................213.9基金的保值增值难度较大.....................................223.10新农保制度的持续性较差.....................................233.11新农保管理绩效有待提高....................................244完善栖霞养老保险的建议...........................................264.1扩大宣传力度，增加农民参保意识.............................264.2不断完善社会保障制度.......................................274.3加大政府财政投入力度，采用弹性资金投资方式.................284.4完善立法，使农村社会养老保险法定化............
