新型农村社会养老保险制度的筹资机制创新探讨

A Discussion of Innovation on Fund-Raising Mechanisms for the New Rural Pension System

新型农村社会养老保险制度应以账户体系作为载体,以融资机制作为核心。政府兜底筹资机制设计保证了制度的强制建立;柔性资金配套机制则具有激发潜在投保人尽力参保的诱导功能。养老制度转换中的利益补偿具有年龄上的对称性特征。资产证券化不仅拓宽了农保资金来源,也为实现代际养老资源互补转移提供了路径。

Such legal systems as the basic account, the mobile account, and the adjusted account etc. are the tools to operate the new rural pension system. As the bottomline guarantee, governmental basic fund raising mechanisms ensure the foundation of the systems. Suitable flexible capital mechanisms and the fund raising ability of the capital account function as an inducement or an impetus. The profit compensation is symmetric in age. Assets securitization not only opens up capital resources for rural pension but render it possible the compensation and transfer of resources provided for pension across generations.