新型农村社会养老保险替代率的测算与分析

运用保险精算的方法,对新型农村社会养老保险的替代率进行了测算。结果表明,在现行制度设计下,新农保替代率水平较低,其主要原因在于新农保个人账户养老金替代率较低。提高个人账户养老金替代率的方法有三种,即提高个人的缴费档次、提高政府的缴费补贴和提高个人账户养老基金的收益率,其中最有效的方法是提高个人账户养老基金的收益率。因此,新农保基金应在适当的情况下进行投资运营,同时,应继续强化土地保障和家庭保障的作用。

Calculation and Analysis on the Replacement Rate of New Rural Social Old-age Insurance

This paper calculates the replacement rate of new rural social old-age insurance by applying actuarial method.The results show that,under the current system design,the replacement rate of new rural social old-age insurance is low,and the main reason is that the replacement rate of individual accounts pension is low.There are three ways to raise the replacement rate of individual accounts pension,namely to raise the individual payment grades,to improve the government's payment subsidies and to raise the rate...