从2007年开始,浙江省部分地区率先启动了以个人缴费和政府财政补贴相结合的新型农村养老保险政策,本文以浙江省11个市(地区)为例,分析了各地对农村养老保险所采取的不同政策,对比分析了新老农村养老保险政策下的农民缴费能力。研究发现,政府在公共财政内的适度补贴能极大提高农民的缴费能力和缴费意愿,较快地提高农村养老保险的投保率和覆盖面。 Since 2007, Zhejiang Province has spearheaded the launch of a new type of rural endowment insurance policy that combines individual payment with government financial subsidies. Taking 11 cities (regions) in Zhejiang Province as an example, this paper analyzes the various measures taken by the rural pension insurance schemes Different policies, comparative analysis of the new and old rural endowment insurance policy farmers pay ability. The study found that the government’s moderate subsidies within the public finance can greatly enhance the farmers’ ability to pay and the willingness to pay, and quickly raise the coverage rate and coverage of rural endowment insurance.