农村养老保险适度水平及对提高社会保障水平分层贡献研究

Moderate Rural Endowment Insurance and Its Contribution to Improving Social Security

中国社会保障水平提高的重点之一是农村社会保障水平的提高。"新农保"的实施不仅提高了农村养老保险水平,还提高了全国社会保障水平。受"新农保"试点覆盖范围的限制及低于适度水平给付起步策略影响,农村社会养老保险提升社会保障水平的作用还未充分发挥。文章研究发现,在农村养老保险适度水平条件下,2012～2050年适度个人账户年均提升全国养老保险和社会保障水平的幅度分别为2.7%和1.48%;适度个人账户和基础养老金年均提升全国养老保险和社会保障水平的幅度分别为4.12%和2.96%;适度农村社会养老金及家庭养老年均提升全国养老保险和社会保障水平的幅度分别为4.78%和3.81%。农村养老保险适度水平发展对缩小城乡差距和提高社会保障水平具有积极的作用。

One of the keys to improving social security level is to raise rural endowment insurance level. The new rural endowment insurance has improved the level of old - age insurance in rural areas and social security for the whole country. Largely affected by the limit of the new rural endowment insur- ance coverage and the below- moderate -level pension payment, the role of rural endowment insur- ance in improving the level of social security has not been fully realized. Results from this study suggest that in the context of moderate rural old - age insurance level, personal account would increase nation- al pension and social security level by 2.7% and 1.48% respectively, personal account and basic pen- sion would increase national pension and social security level by 4. 12% and 2. 96% respectively, and pension insurance and family pension would increase national pension and social security level by 4. 78% and 3.81% respectively for each year between 2012 to 2050. The moderate ~evel of rural en- dowment insurance has positive effects on narrowing the urban -rural gap and improving the level of social security.