农村社会养老保险基金筹集问题探讨

Discussion on Pension Funds-raising of Rural Social Endowment Insurance

我国农村社会养老保险的首要问题是保险基金筹集问题。目前,我国农村社会养老保险基金筹集中存在着基金筹集比例不合理、基金来源不稳定及基金筹集渠道狭窄等问题。为改变基金筹集较为困难的现状,急需改革农保基金筹集比例,明确国家、集体、个人三方责任;增加农民收入,从根源上解决农村社会养老保险基金来源不足;拓宽基金筹集渠道,多渠道筹集农村社会养老保险基金。

The primary problem of rural social endowment insurance in China is the raising of pension funds. At present, there exist many problems, such as the irrational proportion of funds - raising, the instability of pension fund sources and a narrow channel of pension funds - raising and so on in the rural social endowment insurance. In order to overcome the difficulty in collecting funds, it is urgent to reform the pension funds - raising proportion of rural social endowment insurance by defining the responsibility of nation, the collective and the individual, increasing the income of farmers from the root of resolving scarcity of pension funds sources and widening the channels of pension funds - raising through collecting the pension funds from many channels.