新型农村社会养老保险筹资主体利益均衡机制研究

Balance of Interests of Financing Subjects in New-Type Rural Social Endowment Insurance

文章在对"老农保"和"新农保"政策实施的背景进行比较和分析的基础上,指出两者最大的不同在于参与筹资的主体差异或者筹资的多渠道化。"新农保"规定中央政府、地方政府、集体组织和农户家庭四方参与筹资为其实施提供了更多的资源支持。然而,四方筹资主体在提供资源支持的同时会为了争取各自利益最大化而进行各种博弈,这在一定程度上降低政策的预期收益,增加政策实施的成本和难度。因此,要对四方筹资主体的利益从制度方面进行平衡,就必须建立农村社会养老筹资主体利益均衡机制。通过对权利保障机制、利益协调机制、诉求表达机制、矛盾调处机制、评价监测机制等机制的完善,切实保障新型农村社会养老保险制度的有效实施。

The highlight of the new-type rural social endowment insurance is the government＇s investment by comparing the old rural insurance and the new-type endowment insurance.The financing subjects of the new-type rural social endowment insurance includes the central government,local government,collective organization and peasants household,which will make the insurance supported more funds for the rural elderly.However,the more subjects involved means the distribution of the interest more complicate.All the subjects attempt to pursue maximum interests,which will not achive the expected effects of the policy and increase the cost and difficulty of the implementation of the policy.It is very necessary to build the interest balance mechanism of the rural insurance for the four subjects by perfecting the mechanism of the rights protection,interests balancing mechanism,reporting on complaints,ect.