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今年9月1日国务院发布《新型农村养老保险指导意见》,很快引起社会强烈反响。从某个方面说明了农村的社会养老保险是我们社会经济发展到现阶段的一个必然趋势。目前我国城镇里养老、医疗、失业、工伤等方面的保险制度都已经比较健全。但是在农村,社会保障的基础总的来讲还是比较薄弱的。特别是农民在参加了新农合,初步解决了看病贵的问题之后,养老的问题也就更加突出了。虽然我国经济发展迅速,实现了历史性的跨越,但是毋庸置疑的是我国仍然是一个有13亿人口、农村人口占56%的大国。如此庞大的数字,随之而来的便是由个人缴费形成的基金的管理问题。如何有效的管理以及使用这笔基金都将是个非常棘手的问题。在《基本养老保险个人账户基金投资管理办法》出台之前,本文从定性角度出发就此问题浅谈一些思考。
On September 1 this year, the State Council released the Guiding Opinions on New Rural Pension Insurance, which quickly aroused strong repercussions in society. From one aspect, it shows that rural social endowment insurance is an inevitable trend of our social and economic development at this stage. At present, the insurance system in China’s urban areas such as pension, medical treatment, unemployment and work-related injury have been relatively sound. However, in rural areas, the foundation of social security is still relatively weak. In particular, after the peasants joined the NRCMS and initially solved the problem of expensive medical treatment, the issue of pension has become even more prominent. Despite the rapid economic development in our country and the historic leaps it has achieved, it goes without saying that our country is still a large country with a population of 1.3 billion and a rural population of 56%. Such a huge number, followed by the management of the fund formed by individual contributions. How to manage and use this fund effectively will be a very difficult issue. Before the introduction of the “Measures for the Administration of Investment in Basic Pension Insurance Individual Account Funds”, this article discusses some issues on this issue from a qualitative point of view.