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本文共分两大部分,在第一部分中,笔者根据对近年来农村社会养老保险运行实践的总结,指出了农村社会养老保险制度本身的缺陷,它涉及保险对象、资金筹集模式、转制成本、缴费标准、养老金帐户设置、基金保值增值及保费收取等几个方面。针对文章第一部分所提出的问题,笔者在第二部分作出相应的制度改革建议。文章的第二部分首先将农村人口分为两大类,并指明仅以适合第二类人群的社会养老保险制度为研究对象。需要说明的是,整个第二部分的制度改革建议带有一定的原则性,各地还需根据自身实际条件,做到原则性和灵活性的统一。
This article is divided into two parts. In the first part, based on the summary of the practice of rural social endowment insurance in recent years, the author points out the shortcomings of the rural social endowment insurance system itself. It involves the object of insurance, capital raising mode, cost of transformation, Standard, pension account settings, the fund hedging and premium collection and several other aspects. In response to the questions raised in the first part of the article, the author makes the corresponding suggestions on system reform in the second part. The second part of the article first divides the rural population into two broad categories, and points out that only the social pension insurance system suitable for the second group of people is the subject of study. What needs to be explained is that the second part of the system reform proposals with a certain principle, all localities also need to be based on their own actual conditions, to achieve unity of principle and flexibility.