CAJ | 학술논문

江苏新农保发展领先于全国，但农村养老问题仍十分突出，表现为年剩余积累少，个体自我养老保障能力有限；子女人数减少、农村人口转移，家庭代际养老保障功能弱化；新农保养老金额偏低，新农保养老保障能力不强。其主要原因是农民收入低，土地养老功能弱化，子女养老意识淡薄，养老保险城乡差异大。认为应提高农民收入，强化土地养老，重视家庭代际养老，发展商业保险。
강소신농보발전령선우전국，단농촌양로문제잉십분돌출，표현위년잉여적루소，개체자아양로보장능력유한；자녀인수감소、농촌인구전이，가정대제양로보장공능약화；신농보양로금액편저，신농보양로보장능력불강。기주요원인시농민수입저，토지양로공능약화，자녀양로의식담박，양로보험성향차이대。인위응제고농민수입，강화토지양로，중시가정대제양로，발전상업보험。
Jiangsu keeps ahead of development of new agricultural insurance,but has serious problems in rural en-dowment,such as less annual surplus accumulation,limited individual self-supporting ability,reduction of children, transference of rural people,weakening of the family intergenerational endowment security,lower new agricultural insurance pension and less old-age security capability with the new agricultural insurance.The main reasons are as follows,including lower income,fading of endowment function of agriculture,indifference of children awareness to endowment and large difference between urban and rural endowment insurance.What measures should be taken are to improve farmers'incoming,strengthen land endowment,focus on the intergenerational family pension and devel-op commercial insurance.