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十八大报告提出,要统筹推进城乡社会保障体系建设,整合城乡居民基本养老保险,全面建成覆盖城乡居民的社会保障体系,逐步做实养老保险个人账户。这是我国农村经济发展和社会进步的必然要求,是促进农村经济又好又快发展、实现城乡统筹发展、构建和谐社会的一项重要内容,不仅是弥补传统养老方式不足、迎接人口老龄化的需要,也是从根本上破解“三农”问题,缩小城乡差别,构建和谐社会的制度保证。本文系统分析农村社会养老保险制度存在的问题,进而提出建立和完善有中国特色的农村社会养老保险制度的具体对策,以期克服原有制度的缺陷,对现阶段农村社会养老保险制度的发展做出有益的探索。
The 18th National Congress of the Communist Party of China (CPC) reported that it is necessary to make overall plans to promote the construction of a social security system in urban and rural areas, integrate the basic old-age insurance for both urban and rural residents, fully establish a social security system covering both urban and rural residents and gradually implement the personal accounts of old-age insurance. This is an inevitable requirement for China’s rural economic development and social progress. It is an important part of promoting the sound and rapid development of rural economy, realizing the overall development of urban and rural areas and building a harmonious society. It not only makes up for the lack of traditional ways of supporting the aged, but also meets the needs of the aging population Necessary, but also fundamentally solve the “three rural issues,” narrowing the gap between urban and rural areas, building a harmonious society, the system guarantee. This article systematically analyzes the existing problems of the rural social pension insurance system, and then proposes the concrete countermeasures of establishing and perfecting the rural social pension insurance system with Chinese characteristics in order to overcome the defects of the original system and make the development of the rural social pension insurance system Useful exploration.