农民工养老保险商业化模式的探讨
(厦门市建设工程造价管理站, 福建 厦门 361012)
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[摘 要] 简述了我国农民工养老保险工作陷入困境的原因,指出我国目前的养老保险模式不适应现阶段农民工的生活工作特点。在分析了社会保险和商业保险的特点与区别之后,提出商业保险模式可以有效解决农民工养老保险问题,并对该命题进行了论证。[关键词] 农民工;养老保险;商业化Abstract: Discusses the causes why China's endowment insurance work for peasant workers fall into dilemma, points out that China's present endowment insurance model is incompatible with the characteristics of the life and work of peasant workers. After analyzing the characteristics and differences between social insurance and commercial insurance, argues that the commercial insurance model can effectively resolve the issue of peasant workers' endowment insurance, and provides a full demonstration of the proposition.Key words: peasant workers; endowment insurance; commercialization[参考文献][1]世界劳工组织.全球养老保障的现状与发展[EB/OL].中国劳动咨询网http://www.51Labour.com/.[2]程展.养老金赤字将累计达万亿[J].企业改革与管理,2006(9).[3]深圳年底退保潮提前来临 外来劳务工排长龙[N].羊城晚报,2008-11-07.[4]智利的养老制度[EB/OL].中国劳动咨询网http://www.51Labour.com/.[5]救市策略及华尔街新主角[EB/OL].中国金融投资http://www.kiiik.com/info/696460.html,2008-10-13.[6]全球养老保障的现状发展[EB/OL].中国劳动咨询网http://www.51Labour.com.[7]黄丽珠.国外社会保障与商业保险相结合的经验与启示[N].金融时报,2008-07-07.[8]养老金赤字在滚雪球 明天我们靠什么养老[N].南方日报,2004-06-18.[9]冯青宇.养老金危机或15年后爆发[J].证券市场周刊,2008(12).[10]苏继伟.商业养老保险是基本养老保险的重要补充[J].经济师,2003(6):45-46.建筑经济,2009(3):5-7