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在土地保障的基础上建立农村社会养老保险体系,是当前我国农村特定条件、特定时期的必然选择。借鉴国外的住房反向抵押贷款,对我国农村集体土地使用权反向抵押,一定程度上可以弥补农村养老保险集体补助资金的不足,在一定意义上有利于拓宽农村社会养老保险融资渠道,促进新型农村养老保险制度的实施,激活农村土地市场流转,推动农村经济发展。
The establishment of rural social pension insurance system on the basis of land security is an inevitable choice for the specific conditions and specific period in rural China at present. Drawing on foreign reverse mortgage loans, the reverse mortgage of rural collective land use rights in our country can make up for the insufficiency of rural endowment insurance collective subsidy funds to a certain extent, which will help broaden the financing channels of rural social endowment insurance and promote the development of new type The implementation of the rural pension insurance system will activate the circulation of rural land market and promote the rural economic development.