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ension Cash Consumption Expenditure of rural residents was low , which has a fait accompli. But sub- region, the eastern region replacement rate is generally low, central and western regions generally higher replacement rate , such as Guizhou Province the country's highest , 100 per annum rate of pay grades substitute 46.86% , the annual fee of $ 500 grade alternative was 76.16% . Thus, the country's new agricultural insurance should distinguish between categories subdivision advance payment with the appropriate government subsidy reform and adjustment. For the eastern region , the local government financial and economic living conditions allowed , you can carry out government subsidies and increase individual contributions dual mechanism , which will total new agricultural insurance pension replacement rates increased moderately good. For the less developed western regions , because of the low level of living expenses , if the replacement rate at a reasonable fee range, you can not do any adjustment to reduce local fiscal income of the farmers lack of funds and the pressure caused by low levels of . At present, " the country's new farmer's insurance" in terms of individual contributions and government subsidies , there are some relevant provisions of the policy mechanisms complement each other but this is not very clear , I suggest that " the country's new farmer's insurance ," while the pilot , while exploring their policies and improve the mechanism , a clear policy options to improve the rate of substitution . China's new agricultural insurance system should be based on price levels and living standards improve , and adjust the basic pension , the local financial subsidies and costs of individual contributions to the simultaneous development . Central and local fiscal revenue , and according to the actuarial result, in the case of conditions , increase financial subsidies, and gradually increase the pension replacement rate of rural residents .

New agricultural insurance individual account pension calculated and paid monthly total fat standard by dividing the amount accumulated in individual accounts 139 months. Where rural residents age pension from 60 , for nearly 72 years old, early accumulation of personal accounts all funds received completed. Recipient still alive in the case of future annual pension expenditure by the government , and maintain their basic pension level . According to actuarial , China's rural residents average life expectancy at age 72 was 11.86 years old. That personal accounts for nearly 72 years of age to receive full funding completed , the Government must assume after the age of 72 years to pay pension expenses. This is not a small expenditure , will constitute a larger implicit fiscal pressures. Recommend timely adjustment pension is calculated number of months. With the increase in life of rural residents , the total number of months the pension should be timely adjusted ; taking into account the life expectancy of the population 60 years of age factor , you should use a more scientific and accurate pension is calculated the number of months in order to reduce the financial pressure on the government stealth .