普惠制养老金--中国农村养老保障的一种尝试

Universal Benefits Pension——A Try For China's Rural Old-Age Security

在农村老龄化进程加快的过程中,现有农村养老保险制度并未取得预期效果,在全面考虑我国现阶段经济社会发展情况,并参考世界其他国家农村养老保障制度基础上,本文提出普惠制养老金制度可以作为我国现阶段农村养老保障制度的新尝试。该制度简便易行,且有利于缩小城乡收入差距、加快城市化进程、完善我国社会保障体系。文章通过以农村人均生活现金消费支出为依据设定养老金支付标准,以农村65周岁以上人口数量测算,并以东、中、西部地区划定不同的国家地方财政负担比重进行测算,数据表明财政投入在国家可承受范围内。

This paper considers that in the accelerating process of aging, rural old -age insurance system has not accomplished the predicted goal. This paper suggests a universal benefits pension scheme which can be sorted as a new attempt in our rural old - age security system on the basis of comprehensive consideration of social and economic conditions of China and the experiences of rural old - age security system in other countries. This system can make up the income gap between urban and rural areas, quicken urbanization process and thus improve our social security system. Calculations, based on pension payment standard designed according to per capital cash consumption expenditure of rural residents, rural population above the age of 65 and different financial burden proportions between central and local government, which are divided into eastern, central and western regions, suggest that financial devotions are within the capacity of government revenue.