江西农业学报
江西農業學報
강서농업학보
ACTA AGRICULTURAE JIANGXI
2014年
1期
135-139
,共5页
新型农村养老保险%扩展线性支出系统模型%保险精算%农民缴费能力
新型農村養老保險%擴展線性支齣繫統模型%保險精算%農民繳費能力
신형농촌양로보험%확전선성지출계통모형%보험정산%농민격비능력
New rural old-age insurance%Extended linear expenditure system model%Actuarial calculation%Farmer’s pay-ment capacity
以《南京市新型农村社会养老保险办法》为依据，介绍了南京市新型农村养老保险的基本制度，并运用扩展的线性支出系统模型，测算出农民的基本消费支出，同时根据保险精算原理测算出满足农民基本养老需求所要缴纳的保险费，进而估量出农民在不同年龄的参保能力。研究发现，南京市新农保制度并不能完全保障农民的基本养老需求，政府财政补贴在制度建立和完善方面仍起着重要作用。据此提出了提高基本缴费比例、增加缴费浮动性、改革基本养老金计发方法等建议。
以《南京市新型農村社會養老保險辦法》為依據，介紹瞭南京市新型農村養老保險的基本製度，併運用擴展的線性支齣繫統模型，測算齣農民的基本消費支齣，同時根據保險精算原理測算齣滿足農民基本養老需求所要繳納的保險費，進而估量齣農民在不同年齡的參保能力。研究髮現，南京市新農保製度併不能完全保障農民的基本養老需求，政府財政補貼在製度建立和完善方麵仍起著重要作用。據此提齣瞭提高基本繳費比例、增加繳費浮動性、改革基本養老金計髮方法等建議。
이《남경시신형농촌사회양로보험판법》위의거，개소료남경시신형농촌양로보험적기본제도，병운용확전적선성지출계통모형，측산출농민적기본소비지출，동시근거보험정산원리측산출만족농민기본양로수구소요격납적보험비，진이고량출농민재불동년령적삼보능력。연구발현，남경시신농보제도병불능완전보장농민적기본양로수구，정부재정보첩재제도건립화완선방면잉기착중요작용。거차제출료제고기본격비비례、증가격비부동성、개혁기본양로금계발방법등건의。
According to the policy of new rural old -age insurance , this article briefly introduced the basic system of new rural old-age insurance in Nanjing city , and calculated the farmer ’ s basic expenditure in this city by using the extended linear expendi-ture system model .Using actuarial model , we measured the premium that could meet the farmer ’ s fundamental pension demands . Meanwhile , we estimated the payment capacity of farmers who participated in the endowment insurance at different ages .It was found that the new system of the rural endowment insurance in Nanjing failed to totally guarantee the famer ’ s basic pension needs , and the governmental subsidies still played an important role in the establishment and improvement of this system .Hereby , this arti-cle gave some suggestions , such as increasing the premium rate , enhancing the floating rate of payment , and reforming the calcula-tion and payment ways of basic pension .
