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由于计划生育政策和老年人口更趋长寿,十多年后一对农村夫妇最少要供养三位以上的老人,有许多家庭将供养五位以上老人,加上所要抚养的后代,一户农家人口将会在7人以上,那时农村家庭将不堪重负,城乡差别也将进一步扩大。因此,尽早进行创建农村养老保险体系的探讨具有重大的现实意义。建立农村养老保险体系最核心的三大难题:一是能否实现现有农村老人的国家供养;二是能否确保养老保险费的费源充足且覆盖全国农村人口;三是如何向相对贫穷的农民征收养老保险费。只要能解决这三大问题,农村养老保险体系就必然能建立起来。
As a result of the one-child policy and the longer life expectancy of the elderly population, a couple of rural couples will have to provide at least three elderly people more than 10 years later. Many families will support more than five elderly people and the offspring to be raised. A farmer population will Will be more than 7 people, when rural families will be overwhelmed, urban-rural differences will also be further expanded. Therefore, the discussion of establishing rural pension insurance system as soon as possible is of great practical significance. The three core problems of establishing the rural endowment insurance system are: firstly, whether it can realize the national support of the existing rural elderly; secondly, whether it can ensure that the source of pension insurance costs is adequate and that it covers the entire rural population; thirdly, how to provide the relatively poor Farmers levy pension insurance. As long as these three major problems can be solved, the rural endowment insurance system will inevitably be established.