乡村振兴背景下农村居民适度养老金水平测算

Calculation of the Appropriate Pension Level of Rural Residents in the Context of Rural Revitalization

摘要: 我国农村居民养老保障水平不高，是我国乡村振兴战略下当前面临的重大理论与现实问题。在这一背景下，本文拟以湖北省为例，对农村居民基本养老金适度水平的内涵与外延进行界定，选择合理的测算方法，构建一个适合我国国情的农村居民养老金适度水平的测算模型，并结合有关统计数据，对农村居民养老金的合理水平进行测算。我们发现，目前湖北省农村居民基本养老金水平严重偏低，远远低于本研究所提出的合理养老金标准，即使以农地养老为基础，仍然无法满足农村居民的基本养老需要。在此基础上，本文提出了完善我国农村居民基本养老金正常调整机制；改革个人账户缴费办法，加强国家财政支持力度；拓宽新农保资金来源；充分发挥土地、家庭养老保障职能等政策措施。

Abstract: The low level of old-age security for rural residents in China is a major theoretical and practical problem under the strategy of rural revitalization. In this context, this paper intends to take Hubei Province as an example to define the connotation and extension of the moderate level of basic pension for rural residents, and through comparative analysis and measurement methods, build a measurement model of the moderate level of pension for rural residents that is suitable for China’s national conditions, and combine relevant statistical data to measure the reasonable level of pension for rural residents. We found that the basic pension level of rural residents in Hubei Province is seriously low, far lower than the reasonable pension standard proposed by this research. Even if it is based on farmland pension, it still cannot meet the basic pension needs of rural residents. On this basis, this paper proposes to improve the normal adjustment mechanism of rural residents’ basic pension; Reform the personal account payment method and strengthen the state financial support; Expand the new rural insurance fund sources; We will give full play to the functions of land and family pension security policies and measures.