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新型农村社会养老保险是我国继取消农业税、实行农业直补和新型农村合作医疗等政策之后的又一项重大惠农政策,自2009年开展试点以来,已取得较大成效。但在实践中,“新农保”也出现了诸多问题。如:养老资金匮乏、保障水平低;基金运营效率低、统筹层次低;基金监管不力,缺乏内部审计;基金保值、增值困难;农村养老保险基金管理制度及账户权益规定不明确,等等。鉴于此,本文提出了几点完善我国新型农村社会养老保险的应对策略。
The new type of rural social endowment insurance is yet another major benefit farmer policy following the abolition of agricultural tax, the implementation of direct subsidies for agriculture and new-type rural cooperative medical care. Since the pilot was launched in 2009, great achievements have been made. However, in practice, many problems have arisen in “new agricultural insurance”. Such as: lack of pension funds, low level of protection; fund operating efficiency is low, the overall level is low; fund supervision is ineffective, the lack of internal audit; fund hedge, value-added difficulties; rural pension fund management system and account rights and regulations is not clear, and so on. In view of this, this article puts forward some countermeasures to improve China’s new rural social endowment insurance.