农村社会养老保险模式新探——一个兼含教育储蓄的新型养老模式

A New Exploration of Rural Social Endowment Insurance——A New Pattern of Social Endowment Insurance Embodying Educational Savings

我国农村社会养老保险的研究已经取得了相当的理论成果,农村社会养老保险也形成了多种模式。但是,现有的模式都存在着自身的缺陷,其中最主要、也最具共性的一大缺陷就是缴费难问题。教育储蓄农村社会养老保险是一种新型模式,它综合了其他模式的优点,并且解决了其他模式缴费难的问题,是农村社会养老保险发展的理想模式。

Considerable theoretical achievements have been made in studies of rural social endowment insurance in China, and various patterns have been formed for rural social endowment insurance. However, there are inherent drawbacks in the existing patterns, the most important and universal of which is difficulty in collecting fees. As a new pattern, educational-savings rural social endowment insurance synthesizes advantages of other patterns and solves the difficulty in collecting fees, and is an ideal pattern for developing rural social endowment insurance.