新农保制度家庭捆绑缴费模式辨析

摘要

The "binding" individual payment is well known for the implementation of "NREI" and has provoked discussion be⁃tween the public and scholars. The"binding" individual payment has improved the insurance rates by external pressure, overcome the shortcomings of voluntary insurance, kept them out of limited rationality trouble, and filled the gap of the rural social endowment insur⁃ance. It has reduced the level of universal benefit nature, intensified family squabbles, increased the system costs, triggered the irregu⁃larities and affected the sustainability. But the compulsory endowment of the rural social insurance and the rural objective facts will de⁃cide the insurance taking a path from the voluntary one to the compulsory one.%家庭捆绑缴费模式伴随着新农保制度的推行为人所熟知，在民众中和学界都引发了诸多讨论。家庭捆绑缴费模式通过外在压力敦促农村居民参加新农保制度，克服了自愿参保的种种弊端，帮助农村居民走出有限理性的困境，卓有成效地促进了农村社会养老保险制度的发展。尽管家庭捆绑缴费模式存在削弱制度普惠性、激化家庭内部矛盾、增加制度执行成本、引发基层违规操作、导致制度尴尬之嫌，但社会保险的强制属性和农村的客观实际决定了农村社会基本养老保险应遵循从自愿到强制的实施路径。