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人口老龄化在中国的农村逐渐蔓延,农村家庭结构的变化、年轻劳动力的流动和其养老观念的转变、家庭收入的变化等使完善的农村社会养老保险制度在农村具有了必要性。在国家政策的感召下,一些农村推行社会养老保险制度,但中国的农村社会养老保险制度存在许多问题:法律法规不健全;覆盖面小,区域发展不平衡;社会化程度低、保险功能差等。因此应从制定完善的法律法规;促进农村经济发展,增加农民收入;提高农民的参加社会养老保险的积极性,转变政府轻视农村社会保障的观念;构建完善的农村社会保障制度系统体系等方面来努力,建立一个多层化的、高保障水平的农村社会养老保险制度。
The gradual spread of rural population in China, the change of rural family structure, the flow of young labor force, the change of old-age conception, the change of family income and so on make the perfect rural social endowment insurance system in rural areas have necessity. Inspired by the national policies, some rural areas implement the social pension insurance system. However, there are many problems in China’s rural social pension insurance system: the laws and regulations are not sound; the coverage is small; the regional development is unbalanced; and the degree of socialization is low, and the insurance functions are poor. Therefore, efforts should be made to formulate and improve laws and regulations, promote rural economic development, increase peasants ’incomes, improve farmers’ enthusiasm for participating in social endowment insurance, change the government’s concept of despising rural social security, and establish a sound system of rural social security system. Establish a multi-layered and highly-guaranteed rural social pension insurance system.