摘要
新型农村社会养老保险采取个人缴费、集体补助、政府补贴相结合的原则,政府角色从原来的"政策指导"转变为"财政补贴",除了可以直接提高参保农民的退休消费比例外,还具有不可忽视的间接效应,即增强农民对国家制度的信心,刺激农民积极参保并提高个人缴费比例,从而可改善农民养老待遇普遍偏低的局面。另外,从国家角度出发,提高账户给付利率是鼓励农民参保、加强新型农村社会养老保险制度可持续性的一个关键性因素。
The new policy of rural old-age insurance is based on the principle of combining individual payment, collective subsidy and governmental allowance. The part of government has changed from ＂political guidance＂ to ＂financial support＂ . This transformation not only directly helps improve the expenditure of rural retiree but also indirectly brings about some important effects. It builds up the farmers＇ confidence on the national policy and encourages them to attend the rural pension system and improve the payment of insurance by themselves, which will relieve the problem of lower pension in rural areas. In addition, the increasing interest rate of individual account is another important factor to encourage farmers to attend social insurance and sustain the new policy of rural old-age insurance.
出处
《江西财经大学学报》
CSSCI
北大核心
2009年第3期29-32,共4页
Journal of Jiangxi University of Finance and Economics
关键词
缴费基数
给付利率
随机贴现值
退休破产概率
payment base
interest rate of individual account
stochastic present value
probability ofretirement ruin
