建立新型农村社会养老保险制度是国家2009年做出的一项重要举措，在政府的主导下，新型农村社会养老保险制度试点正在如火如荼地进行着。本文对新型农村社会养老保险制度面临的外部和内在风险因素进行了详细剖析，以期为我国新型农村社会养老保险制度的健康发展提供风险管理方面的理论参照，并就此提出了一些应对策略。本文认为，新型农村社会养老保险制度所面临的主要外部风险因素包括农村人口的老龄化和高龄化、城镇化的发展、区域经济发展的不平衡、农村其他养老保障制度的弱化；内在风险因素则包括制度设计风险、个人的筹资风险、财政的支付风险、投资性风险和管理性风险。%Building new rural social endowment insurance system is one of the most important strategies made by central government in 2009. Under the guiding of the government, the pilot reform is growing vigorously. The paper will give a detailed analysis on the external and internal risk factors facing the new rural social endowment insurance system, in order to provide some theoretical reference on the aspect of risk management of the sound development of the new rural social endowment insurance system, and then put forward some coping strategies. In the paper, the main external risk factors include:the aging and advanced age development of the rural population, the development of urbanization, unbalanced economic development, and the weakening of other old-age security measures. The internal risk factors include: the policy-planning risk, personal financing risk, financial payment risk, investment risk and operational risk.
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