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新型农村社会养老保险制度应以账户体系作为载体,以融资机制作为核心。政府兜底筹资机制设计保证了制度的强制建立;柔性资金配套机制则具有激发潜在投保人尽力参保的诱导功能。养老制度转换中的利益补偿具有年龄上的对称性特征。资产证券化不仅拓宽了农保资金来源,也为实现代际养老资源互补转移提供了路径。
The new rural social endowment insurance system should be based on the account system as a carrier, financing mechanism as the core. The design of fund-raising mechanism by the government guarantees the mandatory establishment of the system. The matching mechanism of flexible funds has the inducing function of inspiring potential insured persons to make every effort to participate in the insurance. The compensation of interests in the conversion of pension system has the characteristics of age symmetry. Asset-backed securitization not only broadens the sources of funds for agricultural insurance but also provides a path for the complementary transfer of endowment-supporting resources.