摘要
随着新型农村社会养老制度在全国范围内的试点,本文以江苏苏北农村为例,对新型农村社会养老保险试点后农村参保人数的变化,微观层面上给退休消费带来的积极效应,保险精算层次上对退休破产概率测算的影响,以及制度存在的问题等进行解析,然后提出对应的政策建议:落实并进一步提高地方财政补贴水平;提高农村个人养老帐户的给付利率;统一农村男女退休年龄到60岁,并进一步延长到65岁。
With the pilot of rural old-age insurance developing in the whole nation, this article takes the rural areas in the north of Jiangsu province as an example. On the basis of analysis of the number of contributors’ change, the positive effect on retirement consumption from micro-level, the impact on probability of retirement ruin from actuarial insurance aspect, and the current problems of policy, this article educes several corresponding suggestions： put the government financial support into effect and improve it more; increase the rate of rural individual pension account; unify males and females’ the retirement age to 60 yeas old and defer it to 65 yeas old in the future.
出处
《特区经济》
北大核心
2009年第3期173-175,共3页
Special Zone Economy
关键词
农村社会养老保险
年底资产
随机贴现值
死亡率
退休破产概率
Rural Oldage Insurance
Wealth at Year End
Stochastic Present Value
Mortality
Probability of Retirement Ruin
