CAJ | 학술논문

对福建省安溪县参保农民进行的问卷调查显示大部分参保对象认为个人缴费标准偏高，政府补贴和养老金待遇标准较低。据此提出完善新农保涉费项目建议：根据农民经济收入、经济承担能力等具体情况，设定合理的个人缴费标准以及恰当的个人缴费档次；使新农保中的政府补贴部分达到省级财政总收入的一定比例，并根据财政收入的年增长速度适时进行动态调整；以政府财政补贴为杠杆，建立参保农村居民缴费激励和约束机制；将养老金待遇与养老金替代率高低、农村居民最低生活保障水平以及参保农村居民的心理预期结合起来。
대복건성안계현삼보농민진행적문권조사현시대부분삼보대상인위개인격비표준편고，정부보첩화양로금대우표준교저。거차제출완선신농보섭비항목건의：근거농민경제수입、경제승담능력등구체정황，설정합리적개인격비표준이급흡당적개인격비당차；사신농보중적정부보첩부분체도성급재정총수입적일정비례，병근거재정수입적년증장속도괄시진행동태조정；이정부재정보첩위강간，건립삼보농촌거민격비격려화약속궤제；장양로금대우여양로금체대솔고저、농촌거민최저생활보장수평이급삼보농촌거민적심리예기결합기래。
A questionnaire survey in Anxi County Fujian Province reveals that most of the rural people covered bythe new rural old- age insurance system hold that the personal payment is comparatively high while the govern-ment financial subsidies and pension standard are relatively low. Measures to advance the insurance system andexpand its coverage are accordingly put forward here ： the standard for personal payment is to be set reasonablywith appropriate pay grades according to the farmers＂ economic income, affordability and other specific circum-stances; The government subsidies is to reach a certain percentage of the provincial total fiscal revenue, with atimely adjustment according to the annual growth rate of the revenue; a incentive and restraint mechanisms is tobe built by taking the government financial subsidies as the lever; as to the standard of the payment, such as-pects should be taken into account as the pension and the pension replacement rate, the minimum subsistence ofrural residents and the payers＂ psychological expectations for the insurance as well.