河北省新型农村社会养老保险制度问题及精算分析

Problems and Actuarial Analysis of the New System of Rural Pension Insurance in Hebei Province

介绍了河北省新型农村社会养老保险制度的试点情况,指出了实施中的问题,主要包括试点的选用不具代表性,各地农民缴费负担差别大,集体补助沦为空话,各级政府财政补贴比例分布不均及不能够完全满足现行农村居民的养老生活需要等。通过个人账户积累资金终值的保险精算模型算出新农保农民领取的养老金待遇,最后得出结论:新农保养老金待遇基本能够满足农村的最低生活保障需要;投保人年龄越大,更应选择较高档次的缴费标准;农村居民养老金收入差别较大,所以,政府应尽量鼓励农民在力所能及的范围内按较高标准缴费。

In this article,the pilot condition of a new rural social pension insurance system in Hebei Province is introduced.The problems are also pointed out： the choice of pilots is not typical,farmers＇ expense burden varies in different places,collective pension becomes hollow promise,the proportion of fiscal subsidies at different governmental levels is uneven,and it cannot satisfy rural residents＇ needs for retirement life.By applying insurance actuarial mode of the final value of accumulated funds in personal accounts,the pension received by farmers in new rural insurance can be calculated.The conclusion is as follows： the pension of the new rural system is able to satisfy the minimum standard of living level in rural areas;the elder the applicants are,the higher expense standard should be chosen;the income distinction of pension received by rural residents is big.Therefore,the government should encourage the peasants to pay the fee in a higher standard within their capacity.