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通过对农村社会养老保险基金的审计发现:农村社会养老保险到期难以兑付。一是由于农保政策是在通货膨胀率较高,经济过热时出台的,基金增值率要求较高,随着国家银行利率几次下调,民政部相应制定对农民保证兑付利率94年至96年利率为12%,97年为8.8%,98年为6.8%,但与同期国家银行规定利率及国债利率相比都偏高,这无疑使农保基金的保值增值难以确保,到期难以兑付。二是随着金融秩序治理整顿,储蓄利率逐渐下调,农保基金在无其它可靠高率增值投资途径的情况下,要达到增值要求显然是不可能的。“吃本金”的问题将
Through the rural social pension insurance audit found that rural social endowment insurance is difficult to honor. First, as the policy on peasants and peasants is introduced at a time when the inflation rate is high and the economy is overheated, the fund has higher requirements for the value-added rate. As the national bank’s interest rate has been lowered several times, the Ministry of Civil Affairs has promulgated a pledge to peasants to honor their interest rates for 94 to 96 years Interest rates were 12%, 8.8% in 1997, 6.8% in 1998, but with the national banks over the same period the provisions of interest rates and treasury rates are high, which undoubtedly makes it difficult to ensure the value of agricultural insurance fund, the expiration of the hard to honor. Second, with the consolidation of the financial order and the gradual reduction of the interest rate on savings, it is obviously impossible for the fund to meet the value-added requirements without any other reliable and high-value-added investment route. “Eat the principal ” problem will be