构建欠发达农村养老保障模式的探讨

On Constructing the Retirement Security Pattern for the Less Developed Countryside

中央政府近期决定在全国进行新型农村养老保险试点,这意味着由财政补贴的普惠式新型农村社会养老保险制度即将建立,这对广大农民是一个极大的福音。尽管欠发达农村的老年人也将领取由财政支持的基础养老金,但个人缴费能力不足将导致个人账户空账或微薄,并且欠发达农村医疗条件落后使得养老支出增加,再加上欠发达农村青壮年多外出从事非农产业,老年人的精神慰藉保障缺乏,因而应该构建符合欠发达农村特点的农村养老保障模式。这个模式应该是以新型农村养老保险为主体,适度发展农村社区养老,同时继续发挥传统家庭养老保障作用。

The central government has recently decided to carry on the new countryside old - age insuranee in a number of experiment sites in the nation, which means that soon establishes by fiscal subsidy＇ s Pratt and Whitney＇ s - like new rural community old - age insurance system. This to the general farmers is an enormous gospel. Although the less - developed countryside the senior citizen will also receive by the financial support foundation pension, but individual payment ability insufficient will cause the individual account spatial account or meager, and the less -developed countryside medical service condition backwardness to cause the retirement disbursement to increase, in addition the less -developed countryside young adults to go out to be engaged in non - agricultural production, senior citizen＇ s spirit consoles the nationality safeguard to lack, thus should construct tallies the less - developed countryside characteristic the countryside retirement safeguard pattern. This pattern should be taken the new countryside old - age insurance as a main body, develops the countryside community retirement moderately, simultaneously continues to display traditional the family retirement safeguard function.