非均衡背景下农村养老保障方式与人群的匹配

Constructing a Disequilibrium Insurance System for Old-age in Chinese Rural Areas

我国农村养老保障有以下四个现实背景：社会保障各个体系非均衡发展、农村养老保障体系的经济基础存在非均衡性、农村养老保障可供选择的制度模式多样性以及农民群体多样性且各类人群的养老需求不一致性。因而我国农村养老保障体系必须以此为前提，进行群体细分建构，在此基础上可设计出各个养老方式与我国农民群体细分的匹配设计模式，构建中国特色的农村养老保障体系。

According to the four backgrounds of old-age insurance situations in Chinese rural areas： the disequilibrium development of each part of social insurance; the inequality of the economic foundation of the old-age insurance system in rural areas; the diversity of the selectable policy modes concerned to the old-age insurance; the diversification of the peasant groups as well as the different old-age insurance requirements between varied people, the author holds the view that it is necessary to construct an elaborate division of groups, and on the basis of which the author designs a matching mode between each type of old-age insurance and the elaborate division of Chinese peasant groups.