城乡居民养老保险对农村老年人保障水平研究——以苏州市为例  

Measure and suggestion on the level of urban and rural resident endowment insurance for rural elderly people in Suzhou

作　　者：郑雨薇 Zheng Yuwei

机构地区：[1]苏州大学社会学院

出　　处：《当代农村财经》2023年第4期35-39,共5页Contemporary Rural Finance and Economics

摘　　要：城乡居民养老金是农村老年人的重要收入来源。本文选取食品、衣着、居住、生活用品及服务以及医疗保健五大消费支出,利用扩展线性支出系统模型对苏州市农村老年人基本生活成本进行测算,探究城乡居民养老保险对农村老年居民的保障效果。测算数据表明,城乡居民养老金低于农村老年居民基本生活成本。从基础养老金和个人账户养老金两个方面分析城乡居民养老保险保障水平偏低的原因并提供建议。应根据收入确立缴费档次,完善缴费激励机制;引导居民提高缴费档次,延长缴费年限;明确基础养老金的待遇调整机制;提高个人账户投资收益。Pensions for urban and rural residents are an important source of income for the rural elderly.This pa-perselects five major consumption expenditures,such as food,clothing,housing,daily necessities and services,and med-ical care,uses the Extended Linear Expenditure System Model to measure the basic living cost of the rural elderly in Suzhou,and explores the effect of Urban and rural residentendowment insuranceon the protection of rural elderly resi-dents.Estimated data show that the pensions of urban and rural residents are lower than the basic living costs of rural elderly.This paper analyzes the reasons for the low level of old-age insurance for urban and rural residents,puts for-ward suggestions to improve the level of pension from the aspects of basic pension and personal account pension.Estab-lish the level of contribution according to income,and improve the incentive mechanism of contribution.Guide resi-dents to raise the level of payment and extend the payment period.Clarify the adjustment mechanism of basic pension benefits.Increase personal account investment returns.

关 键 词：城乡居民养老保险 农村老年人保障水平 扩展线性支出系统模型 

分 类 号：F842.67[经济管理—保险] F323.89