中国是一个农村人口占绝对多数的发展中国家,农民占全国人口的63.91%,农村老年人占全国老年人的75%。;老有所养问题一直是广大农民梦寐以求的愿望,也是建立社会主义新农村的一项重要工作。然而,我国农村养老保障体系的建设还远远落后于城市,一方面以家庭养老和土地养老为主的传统养老模式受到冲击, China is a developing country with an overwhelming majority of rural population, with peasants accounting for 63.91% of the total population in the country and the elderly in rural areas accounting for 75% of the national total. The old problems of raising dependents have always been the aspirations of the vast number of peasants and an important task in building a new socialist countryside. However, the construction of China’s rural old-age security system lags far behind that of the cities. On the one hand, the traditional model of old-age pension based on family pension and land-based pension is under attack,