摘要
农村养老保险制度的建立为解决农村居民的养老问题指明了方向,但新农保基本保障制度并不能提供较好的养老保障水平。随着农村居民生活水平的逐步提高,商业养老保险为提高养老金替代率提供了较好的补充作用。农村(商业保险)市场的巨大消费潜力和目前发展的滞后形成极大差异,探究制约其发展的原因变得尤为紧迫。本文从商业养老保险补充新农保替代率的角度出发,在不同目标替代率下农村商业养老保险的潜在市场规模做出了估计,最后提出一些发展农村商业养老保险市场的意见。
The new -type endowment insurance system for rural areas indicates the direction to support the aging population, but as a basic security system, it can＇t support a high level of welfare to residents. With improvement of living standards, commercial endowment insurance gives a chance to improve the well - being of aging. In this paper, from the perspective of substitute rate of pension and complementariness function of com- mercial insurance, the capability of commercial endowment insurance market has been calculated out under a specific model and the results are analyzed. Then endowment insurance market in rural areas. some suggestions are proposed for development in commercial
出处
《保险职业学院学报》
2013年第5期16-21,共6页
Journal of Insurance Professional College
关键词
农村
养老金替代率
商业养老保险
Rural areas
Replacement rate of pension
Commercial endowment insurance
