“新农保”的制度自信与制度发展

摘要

农村居民共享发展与改革成果是“新农保”制度自信的源泉。调查发现，基础养老金待遇偏低且缺乏正常增长机制是“城乡居保”当前面临的主要问题。建立城乡居保基础养老金正常调整机制，实行城乡居保个人账户基金的省级管理，通过立法建设具有强制保险性质的社会养老保险制度等措施，是“城乡居保”走出困境的必要环节；构建体现共享理念的多支柱养老金体系，是具有中国特色社会主义养老保险制度发展的方向。%Though rural residents could share the results of social development and reform,which becomes a source of confidence of the New Rural Social Endowment Insurance,this paper found that the main difficulties for the Urban and Rural Residents Basic Endowment Insurance are low basic pension treatments to urban and rural residents and the lack of normal growth mechanism.Therefore,we propose to establish adjustment mechanism of urban and rural residents basic pension insurance,promote personal account fund management at provincial level,construct the social endowment insur-ance system with compulsory insurance and so on,for those measurements are the necessary parts of the "urban and ru-ral residents"which may help them go out of the predicament.We also suggest that constructing a multi-pillar pension system which embodies the concept of sharing is the direction of the development of the endowment insurance system with Chinese characteristics.