| 新型农村社会养老保险替代率精算模型及其实证分析 |
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| 引用本文： | 邓大松,薛惠元. 新型农村社会养老保险替代率精算模型及其实证分析[J]. 经济管理, 2010, 0(5) |
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| 作者姓名： | 邓大松 薛惠元 |
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| 作者单位： | 武汉大学社会保障研究中心; |
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| 基金项目： | 教育部哲学社会科学研究重大课题攻关项目“新型农村社会养老保险制度研究”(09JZD0027) |
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| 摘 要： | 本文依据2009年国务院发布的《关于开展新型农村社会养老保险试点的指导意见》,运用保险精算的方法,构建出新农保替代率精算模型,并依据该模型对新农保替代率进行实证分析。通过分析提出以下建议:以农民人均纯收入作为缴费基数,实行比例费率制;鼓励农民尽早开始参保并保持长期缴费;鼓励参保农民选择较高的档次标准缴费;新农保个人账户基金应当在适当情况下进行市场化投资运营;继续强化土地保障和家庭保障的作用。
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| 关 键 词： | 新农保 替代率 精算模型 投资收益率 农民人均纯收入 |
Actuarial Model and Positive Analysis on the Replacement Rate of New Rural Social Old-age Insurance |
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| DENG Da-song,XUE Hui-yuan. Actuarial Model and Positive Analysis on the Replacement Rate of New Rural Social Old-age Insurance[J]. Economic Management, 2010, 0(5) |
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| Authors: | DENG Da-song XUE Hui-yuan |
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| Affiliation: | DENG Da-song,XUE Hui-yuan (The Center for Social Security Studies of Wuhan University,Wuhan,Hubei,430072,China) |
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| Abstract: | Based on theGuidelines on Launching Pilot Projects of New Rural Social Old-age Insuranceissued by State Government in 2009,this paper uses actuarial method to build an actuarial model of the replacement rate of new rural social old-age insurance,and then makes a positive analysis on the replacement rate based on this model.According to the analysis,the author puts up with the following advice:Make the per capita net income of farmers a base payment,and run the proportional rate system;Encourage farmers to t... |
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| Keywords: | new rural social old-age insurance replacement rate actuarial model rate of return on investment per capita net income of farmers |
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