论文部分内容阅读
随着新型农村社会养老制度在全国范围内的试点,本文以江苏苏北农村为例,对新型农村社会养老保险试点后农村参保人数的变化,微观层面上给退休消费带来的积极效应,保险精算层次上对退休破产概率测算的影响,以及制度存在的问题等进行解析,然后提出对应的政策建议:落实并进一步提高地方财政补贴水平;提高农村个人养老帐户的给付利率;统一农村男女退休年龄到60岁,并进一步延长到65岁。
With the new rural social pension system in a pilot nationwide, this paper takes the rural areas of northern Jiangsu as an example. This paper analyzes the changes of rural social security insurance after the pilot rural pilot projects, the positive effect on the retirement consumption on the micro level, Insurance actuarial level on the calculation of the probability of retirement ruin probability and the existence of the system analysis, and then put forward the corresponding policy recommendations: to implement and further improve the level of local financial subsidies; improve rural personal pension account interest rates; unified rural men and women retirement The age of 60 years old, and further extended to 65 years old.