新型农村社会养老保险筹资主体相互关系及均衡机制探究——基于博弈论分析视角

A Probe into the Relationship among the New Rural Social Pension Insurance Financing Bodies and the Balance Mechanism: From the Perspective of Game Theory

在新型农村社会养老保险试点过程中,四方筹资主体(中央政府、地方政府、集体组织、农民)为了实现各自利益最大化而进行各种博弈,这在一定程度上降低了新型农村养老保险政策的预期收益,增加了政策实施的难度。因此,要对四方筹资主体利益进行均衡,就必须建立和完善以下四种机制,即各级财政补贴资金的保障机制,通过梯度缴费补贴促进农民积极参保缴费的激励机制、集体补助约束机制、农民利益诉求和表达机制,使四方筹资主体在信任中实现合作博弈。

During the pilot process of the new rural social pension insurance, in order to maximize their own interests, the four major financing bodies （central government, local government, collective organizations, farmers） are performing a variety of games, which has reduced the expected earnings of the new rural endowment insurance policy to a certain extent and increased the difficulty of policy implementation. Therefore, in order to balance the interests of the four financing bodies, the following four mechanisms must be established and perfected, i.e., the protection mechanism for financial subsidies at all levels, the incentive mechanism to encourage farmers to buy insurance with the gradient payment subsidies, the constraint mechanism for collective subsidies, and the appealing and expression mechanism for farmers＇ interests, so that the four major financing bodies can trust each other in their cooperation and games.