目前我国农村正处于剧烈的社会转型期,老龄化问题凸显,农村原有的养老保障体系正在被打破,而新的保障体系尚未健全。在此前提下,文章对金堂县农村养老保险的现状和实施难点进行深入研讨,探索建立农保“政策满覆盖、宣传满覆盖、工作满覆盖”工作机制,对早期农村养老保障制度进行根本性改革。同时,在总结提炼新农保试点经验的基础上,提出坚持城乡统筹发展方向、确保农村养老保险有法可依;加强规划、建立多样化差异性养老制度;加大财政扶持、提高农村社会养老保障功效;综合配套改革、增强农民自助养老保障能力等建议,力求为构建新型农村社会统筹的基本养老保障制度框架提供参考依据,努力实现农民老有所养,老有所医,为彻底打破城乡二元结构、从根本上解决“三农”问题奠定坚实的社会保障基础。 At present, the rural areas of our country are in a period of intense social transformation. The problem of aging is highlighted. The old system of old-age security in rural areas is being broken down and the new safeguard system is not yet complete. Under this premise, the article conducts an in-depth discussion on the status quo and implementation difficulties of rural endowment insurance in Jintang County, and explores the establishment of a working mechanism of “guaranteeing full coverage of agricultural insurance, full coverage of publicity and full coverage of work”, and makes recommendations to the early rural endowment insurance system Fundamental reform. At the same time, on the basis of summing up the experiences of piloting and refining new rural insurance, we put forward that we should insist on the overall direction of urban and rural development and ensure that rural endowment insurance can be regulated according to law; strengthen planning and establish a diversified and differentiated pension system; increase financial support and improve rural social pension Guaranteeing the effectiveness; comprehensively supporting reforms and enhancing the peasants’ ability to provide self-help and endowment support, and strive to provide a reference for constructing the basic old-age security system framework for the new-type rural social co-ordination and strive to achieve the goal that the peasants should always have their own and old- Dual structure, and fundamentally solve the “three rural issues” to lay a solid foundation for social security.