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目前我国的社会保障体系还不够健全,覆盖面较窄,在农村社会保障中养老保险基本上是空白的。农村老年人劳作一生,在丧失劳动力以后,由于没有充足稳定的养老保险金来源,过着穷苦凄凉的晚年生活。我国当前农村养老主要还是以家庭养老为主,还没有一个完善的保险体系,养老保险资金来源单一。要解决这个问题必须坚持农民个人、集体、国家三方筹资的原则,筹资方式要灵活多样。并通过建立健全养老保险基金投资运营体制,做好基金的保值增值以减轻养老保险金的筹集负担。
At present, China’s social security system is still not sound enough and its coverage is relatively narrow. In terms of social security in rural areas, pension insurance is basically blank. After working for a lifetime, the elderly in rural areas, after losing their labor force, live a poor and desolate old-age life because they do not have sufficient and stable source of pension insurance. At present, the main pension in rural areas in our country is mainly family-based care. There is no perfect insurance system, and the sources of pension funds are single. In order to solve this problem, we must adhere to the principle of tripartite fund-raising by peasants, collectives and countries, and the means of financing should be flexible and diversified. And by establishing and perfecting the investment and operation system of pension insurance funds, the fund’s value preservation and appreciation should be done so as to reduce the burden of raising pension insurance funds.