中国农村地区育龄劳动妇女生育保险制度探析

The Analysis of the Maternity Insurance System for Fertile Woman in Rural Areas of China

目前,除了少部分富裕的农村之外,大部分农村地区育龄劳动妇女的生育保险制度在实际操作中尚属空白,建立及健全具有中国特色的农村地区生育保险制度,既有必要性,也有可行性。我国农村生育保险制度的确立,应考虑具体国情。目前应采取社会统筹的模式,即通过个人缴费建立社会统筹基金,农村劳动妇女的生育费用由社会统筹基金支付。

At present,most rural areas have not set up the maternity insurance in practice for the fertile women except some rich rural areas.This paper tries to analyze the necessity and possibility of maternity insurance for the fertile women in rural areas.The establishment of maternity insurance system in Chinese rural area requires for the consideration of China＇s specific features.Now social planning model should be adopted,that is,social planning fund is set up through individuals＇ money accumulation,and rural women＇s maternal fee is supported by social planning.