农村养老保险基金运作的创新模式研究

Toward Institutional Innovation of Endowment Insurance Fund Operation in Rural Area

农村养老保险基金投资渠道单一,既不能实现基金的保值增值,又难以吸引农民参加养老保险制度。由于农村金融发展严重滞后,导致农民日常生产、生活中出现的资金缺口难以得到解决。如果以农村养老保险基金为资金来源、以参加农村养老保险的农村居民作为信贷对象而从事信贷活动,那么将会产生多赢的经济和社会效果。

Scarcity of endowment insurance channel in rural area is the main reason for the difficulty in promoting endowment insurance fund and in attracting farmers involved in the insurance system. On the other hand, farmers have difficulty in obtaining loans for farm their lives as well as for farm production due to the poor financial system. Endowment insurance fund would be a good means to solve this problem.