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保障农民基本生活是新型农村养老保险的出发点和归宿点,其中养老金替代率是整个养老保险制度成败的关键。农村养老保险替代率的高低不仅体现养老保险对农民的保障水平,而且也能体现政府在养老保险制度中承担的责任程度。本文利用社会保险精算学相关知识,构建新型农村社会养老保险替代率的精算模型,结合新疆农村具体实际进行实证分析并提出针对性的政策建议,以期为完善新疆农村养老保险制度提供参考和借鉴。
Guaranteeing the peasants’ basic life is the starting point and destination of new-type rural endowment insurance, in which the replacement rate of the pension is the key to the success or failure of the entire pension insurance system. The replacement rate of rural endowment insurance not only reflects the level of endowment insurance for peasants, but also reflects the government’s responsibility in the pension insurance system. In this paper, the actuarial knowledge of social insurance is used to build an actuarial model of the new social replacement rate of rural social insurance. Based on the actual conditions of rural areas in Xinjiang, empirical analysis is made and targeted policy recommendations are made in order to provide reference and reference for the improvement of the rural old-age insurance system in Xinjiang.