“新农保”筹资机制的可持续发展研究

Study On Sustainable Development of "The New Rural Insurance" Funding Mechanisms

我国"新农保"保障了亿万农民的养老权益,实现了制度全覆盖,基金收入逐年增长,缴费人群持续扩大。与此同时,"新农保"仍然存在一些问题,如定额缴费制度中存在不合理因素、各级政府财政补贴分担不合理、"新农保"筹资在村里人工收费容易出现道德风险和刑事犯罪等等。笔者调研发现:提高"新农保"的待遇水平是构建长效可持续发展筹资机制的关键所在。在"新农保"个人缴费中应采用比例制缴费方式,尽快提高"新农保"的入口补和出口补的待遇,合理分配各级政府的财政责任,国家支付"新农保"60岁以上每人每月55元应该提高到100元,大力拓宽"新农保"资金保值增值的渠道,"新农保"筹资机制实行省级统筹。

The New Rural Insurance has made significant achievements and breakthroughs, the fund income increased year by year, the population continues to expand . At the same time, some problems will inevitably appear in the course of development in individual contributions, the collective grants and subsidies. The research proved ： raising the level of treatment is the key to build the new rural insurance long - term financing mechanisms for sustainable development . This paper is to analyze the problems of the new agricultural insurance funding mechanisms, proposes the personal contribution of the new rural insurance system should be a proportional payment method and improves the level of treatment of the entrance and exit subsidy of new rural insurance as soon as possible. It also suggests that the state security branch of 55 yuan per person over the age of 60 should be raised to 100 yuan per month and so on. The purpose of this paper is to explore the road of sustainable development from the new agricultural insurance funds raised angle.