参保农民对新农保涉费项目的评价及完善建议——基于福建省安溪县的调查

The Rural Payers,Comment on the New Rural Old-Age Insurance and the Policy Proposals: An Investigation in Anxi County Fujian Province

对福建省安溪县参保农民进行的问卷调查显示:大部分参保对象认为个人缴费标准偏高,政府补贴和养老金待遇标准较低。据此提出完善新农保涉费项目建议:根据农民经济收入、经济承担能力等具体情况,设定合理的个人缴费标准以及恰当的个人缴费档次;使新农保中的政府补贴部分达到省级财政总收入的一定比例,并根据财政收入的年增长速度适时进行动态调整;以政府财政补贴为杠杆,建立参保农村居民缴费激励和约束机制;将养老金待遇与养老金替代率高低、农村居民最低生活保障水平以及参保农村居民的心理预期结合起来。

A questionnaire survey in Anxi County Fujian Province reveals that most of the rural people covered bythe new rural old- age insurance system hold that the personal payment is comparatively high while the govern-ment financial subsidies and pension standard are relatively low. Measures to advance the insurance system andexpand its coverage are accordingly put forward here ： the standard for personal payment is to be set reasonablywith appropriate pay grades according to the farmers＂ economic income, affordability and other specific circum-stances; The government subsidies is to reach a certain percentage of the provincial total fiscal revenue, with atimely adjustment according to the annual growth rate of the revenue; a incentive and restraint mechanisms is tobe built by taking the government financial subsidies as the lever; as to the standard of the payment, such as-pects should be taken into account as the pension and the pension replacement rate, the minimum subsistence ofrural residents and the payers＂ psychological expectations for the insurance as well.