本文是在对衢州市各地区城乡居民养老保险实施效果及影响进行充分调研的基础上,总结概括了衢州市农村养老保险的发展状况,分析了在现行城乡居民养老保险制度下不同年龄、不同家庭收入、不同文化程度的农民对养老保险缴费档次、养老金的保障力度、养老金需求的状况,最后对完善城乡居民养老保险制度提出了相关的政策建议。 Based on a full investigation of the effect and impact of the implementation of endowment insurance for urban and rural residents in various districts of Quzhou, this paper summarizes the development of rural endowment insurance in Quzhou and analyzes the current situation of pension insurance in urban and rural areas of different ages, Income, farmers with different educational level of the level of contributions to pension insurance, pension security, the status of pension needs, and finally improve the urban and rural residents pension system made the relevant policy recommendations.