我国农村社会养老保险证质押贷款模式选择

Mode Option of Rural Social Security Loan Program in China

农村社会养老保险证质押贷款既是一种新的农户融资模式,同时又是一种新的农村社会养老保险基金投资方式,它将农户眼前的融资需求与未来的养老保障需求有机地结合在了一起,这对促进我国农村社会养老保险和农村金融的发展具有重要意义。"呼图壁模式"和"四川通江模式"是目前我国两种典型的养老证质押贷款运行模式。本文通过对这两种模式的比较,认为我国农村社会养老保险证质押贷款应选择"呼图壁模式",并进一步提出了完善"呼图壁模式"的对策建议。

Rural social security loan program is both a new kind of farmer loan mode and a new kind of investment choice of rural social security fund. It links farmer＇s current loan demand and farmer＇s security demand of future, and it also plays an important role in China＇ s rural social security development and rural finance development. By comparison of ＂Hutubi Mode＂ ＇and ＂Tongjiang Mode in Sichuan＂, representatives of rural social security loan program in China, this paper prefers ＂ Hutubi Mode＂ and proposals about whose improvement are also made.