摘要
我国现行农保覆盖面小、保障水平低、资金筹措难、基金运营模式单一、制度不稳定,有必要建立强制投保与引导自愿投保相结合,农保与城镇职工养老保险相衔接,农保与家庭养老、土地保障及商业保险相配合的农保制度,实行社会统筹与个人账户相结合的农保模式,将农保费的收缴委托给税务部门完成。在农保基金运营上引入信托投资、开展协议存款和委托贷款、允许投资组合和质押贷款,使之保值增值。由社会保障机构委托商业银行向60岁以上的农民发放养老金。
The Current farmer endowment insurance system of China has characteristics of narrow coverage,low security level,difficult pool of fund,few operating style of fund,unsteady system.As a result,it is necessary to establish a new farmer endowment insurance system,in which all the farmers insure compulsorily and are guided to participate voluntarily,and which is combined with the endowment insurance in town and integrated with family support of the elders,land security and business insurance.We will combine soc...
出处
《临沂师范学院学报》
2008年第1期52-57,共6页
Journal of Linyi Teachers' College
关键词
农民养老保险
强制投保与引导自愿
社会统筹与个人账户相结合
基金运营模式
the farmer endowment insurance
insure compulsorily and guide the voluntary participation of farmers
social orchestration and personal accounts combined together
the method of operating fund
