失地农民养老保险制度的路径依赖与城乡一体化

Way of Endowment Insurance System for Land Lost Farmers & City and Countryside Integration

我国现行失地农民养老保险制度建设有四种模式即依托城镇职工养老保险、依托农村养老保险主要是"新农保"、依托商业保险制度以及独立设置失地农民养老保险制度和基本生活制度。这种多元分立的制度存在三个方面的局限与缺失:制度覆盖面及被保人数不足;养老保障的水准有限;养老社会保险水平区域差异较大。出路在于依托城镇养老保险制度,走养老保险制度城乡一体化之路。

There are four ways of the endowment insurance system for land lost farmers, i. e. , the land lost farmers endowment insurances depends on that of the workers and staff members of the urban area; the ＂new farmer insurance＂ counts on the rural social security connections ; the farmer insurance relies on the commercial insurance ; the establishment of sole social security of land lost farmers and the basic living system. This multi-separation system has three limitations： the coverage of social security system and the insurants shortage ; the standards of insurance are limited ; the gap of the different localities of social security is quite difference. The way out for land lost farmers is to base on the system of rural and carry out the integration of the endowment insurance system in urban rural areas.