新型农村社会养老保险制度探索  

Attempt at a New Insurance System of Rural Old-age Pension

作　　者：张运刚[1] 

机构地区：[1]西南财经大学保险学院,成都610091

出　　处：《四川师范大学学报（社会科学版）》2010年第4期48-54,共7页Journal of Sichuan Normal University(Social Sciences Edition)

基　　金：国家社会科学基金重大项目"建立覆盖城乡居民社会保障体系的制度框架及实施难点研究--基于城乡统筹发展的视角"(批准号:07&ZD047);西南财经大学重点课题"农村社会养老保险费率测算研究"(批准号:07YB55)

摘　　要：我国农村人口规模巨大,总体收入水平偏低,人口老龄化迅速,而以民政部方案为基础建立起来的农村社会养老保险制度日渐萎缩,建立和完善以"统账结合"为模式的新型农村养老保险制度具有重要意义。本文首先回顾农村社会养老保险发展历程,然后分析新型农村社会养老保险的特征及其存在的主要问题,强调养老保险的权利与义务必须匹配,最后提出了发展新型农村社会养老保险的对策。It is of great significance to establish and perfect a new rural old-age pension insurance system with ＂social pooling combined with individual account＂,for the old system established with the scheme by the Ministry of Civil Affairs is not functioning desirably when China＇s huge rural population generally with low income is rapidly aging.This article first reviews the history of the system development,then analyzes its features and problems,stresses the match between its rights and obligations,and finally puts forward some measurements for its development.

关 键 词：新型农村社会养老保险 特征 问题 对策 

分 类 号：F842.6[经济管理—保险]