新农村社会养老保险政策是为进一步解决农民养老问题,弥补旧有农保政策的不足而制定的,现行的新农保政策中大部分采用的是完全积累模式。本文着重从定量与定性两方面分析阐明了完全积累模式的基本原理、关键参数及主要影响因素,提出了对现行新农保政策的一些参数值加以改进的建议。 The new rural social endowment insurance policy is formulated to further solve the problem of peasant’s endowment insurance and to make up for the deficiencies of the old peasant family insurance policy. Most of the existing new peasant family insurance policy adopts the complete accumulation model. This paper focuses on the quantitative and qualitative analysis of the basic principles of the full accumulation model, the key parameters and the main influencing factors, and puts forward some recommendations to improve some of the current value of the new rural insurance policy.