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新农保方案中规定关于保障标准的讨论

论文作者:www.51lunwen.org论文属性:作业 Assignment登出时间:2013-09-03编辑:yangcheng点击率:9975

论文字数:1103论文编号:org201309022121364661语种:英语 English地区:中国价格:免费论文

关键词:养老保险保险金投资社会养老

摘要:新农保个人账户养老金计发办法的月计发标准以个人账户积累额除以139个月。也就是农村居民从60岁开始领取养老金,在将近72岁时,前期积累的个人账户资金全部领取完毕。在受领人还健在的情况下,今后每年的养老金由政府支出,并维持其基本的养老金水平。

新农保方案中规定, 2009年中央财政为参保农民提供每人每月55元的基础养老金,地方政府每人每年补贴30元。个人缴费可以有100-500元/月等五个档次进行选择。尽管,这个标准在一定程度上可以改善贫困地区农民的生活,甚至帮助其解决燃眉之急,但总体上水平仍然偏低。

Provisions of the new agricultural Insurance scheme , in 2009 the central government for the insured farmers 55 yuan per person per month basic pension , the local government subsidies to 30 yuan per person per year . Individual contributions can be 100-500 yuan / month , the five grades to choose. Although this standard can be improved to a certain extent, the lives of farmers in poor areas , and even help them solve immediate problems , but the overall level is still low. New rural social pension insurance basic pension 55 yuan / month borne entirely by the state , and its structure in the entire pension benefit ratio is still larger , the new agricultural insurance system is the biggest highlight is the importance of attracting insured rural residents policy . However, in 2010 China's rural residents per capita net income of 5,919 yuan , while the new agricultural insurance 660 yuan per year for individual basic pension subsidies accounted for the proportion of household per capita net income was 11.2 %, far below the current China's urban basic pension Insurance of not less than 20% of the basic pension replacement rate .

 

新农保方案保障水平偏低还表现在农民领取的养老金总量占农村居民生活消费现金支出的比率也相对较低。以选择最高缴费档次500元/年缴费标准为例,在不计利息的静态计算方式下,按照(缴费档次×缴费年限+财政补贴×缴费年限+利息)÷139+55=个人每月领取金额的公式。

New agricultural insurance scheme is also reflected in the low level of protection of farmers in rural old-age pension accounted for the total household consumption expenditure in cash ratio is relatively low. To select the highest pay grade of 500 yuan / year payment standard , for example, without interest in the static calculation , in accordance with ( pay grades × × financial subsidy payment period + + interest payment period ) ÷ 139 +55 = personal monthly payment amount formula. Villagers pay 500 yuan a year , pay for 10 years , 500 yuan × 10 years = 5000 yuan , together with the local government grants 30 yuan × 10 years = $ 300, then his personal account with at least 5,300 yuan , the farmers pay full 10 years of the new agricultural insurance , the amount of his personal account 5300 dollars , then every year after the age of 60 he was a monthly pension can be paid on time is : 5300 yuan ÷ 139 ( coefficient ) +55 yuan ( basic pension ) = 93.13 million. Even with interest , " the new rural social pension insurance fund financial management Interim Measures" provides individual account reference current annual turnover People's Bank of China announced financial institutions RMB deposit interest rate, one-year , one-year deposit interest but 3-4 % , after the age of 60 receive a monthly pension of 120 yuan is still insufficient . The country's total pension replacement rate is only 45.48% , has not yet reached half of rural residents' living consumption replacement rate . Such replacement rate is only able to ensure that rural living standards of the elderly to a lower status .


"The new rural social pension insurance fund financial management Interim Measures" provides : the pilot phase, the implementation of the new agricultural insurance fund temporary county management , along with the pilot expanded and pushed , and gradually improve the management level ; conditional place can also be directly to the provincial management . This suggests that the论文英语论文网提供整理,提供论文代写英语论文代写代写论文代写英语论文代写留学生论文代写英文论文留学生论文代写相关核心关键词搜索。

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