摘要：政府作为公共产品的供给者，有责任为居民提供养老保险，使他们不会因为年老失去劳动能力而丧失养老保障。城镇居民养老保险作为社会养老保险制度类型之一，是对过去“农保”和“城保”二元保障结构的补充。江阴市于2011年正式实行城镇居民养老保险制度，采取社会统筹与个人账户相结合的模式，将辖区范围内存在的“农保”、“城保”的中间地带人员纳入社会养老保险体系，专人专户，个人每年可按100-1100元的不同档次标准缴费，政府给予相应补贴，多缴多补，并鼓励集体组织资助个人，参保人年满60岁后可领取每月120元的基础养老金和个人账户养老金。这一新政策显著地提升了江阴市社会养老保险的覆盖率，多样化的缴费标准，调动了居民的缴费积极性，更释放了江阴市民营经济的活力。但新政策本身也存在诸多不足，存在着监管责任不明确、基础养老金金额偏低等问题，应当从完善政策建设、加强监督监控两方面着力改善。

关键词：江阴市；养老保险；政策；建议

Abstract:As the provider of public goods,Government has a responsibility to provide pension insurance for residents in order that people will not be loss of old-age security for the elderly lose the ability to work. Endowment insurance for urban residents, as one of the types of social endowment insurance system, which is the addition for farmer's and the citizens' insurance in the past .Jiangyin implemented the pension insurance system for urban residents in 2011, taking the mode of the combination of social pooling and individual accounts. The area take people who are in the farmer's insurance and the citizens' insurance middle ground staff into the social endowment insurance system. Hand accounts, individuals annually according 100-1100grade standard fee, the government subsidies to pay more than make up, and to encourage collective organization funded individual. Insured person reaches the age of 60 can receive the basic pension of 120 yuan per month and individual account pension. This new policy significantly enhanced the social endowment insurance coverage in Jiangyin City, a variety of payment standards, mobilize the enthusiasm of the residents pay, but also the release of Jiangyin's private economy. But the new policy has many deficiencies, there is the problem of regulatory responsibility is not clear, the amount of basic pension is too low, it should be to improve policies, and strengthening the supervision and monitoring efforts to improve.

Key words: Jiangyin;Endowment insurance;Policy;Suggestion

研究意义

1、理论意义

　　　第一，根据社会保障相关理论，探讨其在养老保险政策中的体现，一方面丰富了社会保障理论的应用范围，另一方面也拓展了养老保险政策的研究视角，为制定出更好满足社会需要的政策奠定了经验基础。

　　　第二，聚焦江阴市所实施的具体养老保险政策，有利于全面了解该地当前实施的政策在满足社会需要方面所发挥的作用，丰富了同类地区建立普惠的养老保险政策的经验性材料。

2、现实意义

　　　第一，了解江阴市在社会养老保险方面所实行的具体政策、社会养老金的缴纳办法与细节，并对比分析全国的养老保险概况，可以为当地相关部门制定和研究养老保险政策提供适当的经验参照。

　　　第二，为当地养老保险政策所覆盖的人群提供政策方面的解读，有利于他们更好地理解当前所施行的政策，并共同反思政策的缺陷与不足。