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选择适当的养老保险模式是我国农村养老保障事业发展的关键。笔者主张的名义账户制模式采用现收现付制的筹资机制、积累制的给付方式,既体现了权利与义务相对应的社会保险原则,又能顺利解决当期老年人的养老问题,养老金账户可随身携带,有利于农村劳动力自由流动,并可成为城乡养老保障制度统一的制度基础,不失为我国农村养老保险制度模式选择的新思路。
Choosing the appropriate pension insurance model is the key to the development of China’s rural pension insurance. The author advocates that the nominal account system uses the pay-as-you-go financing mechanism and the system of accruals, which not only reflects the social insurance principles corresponding to rights and obligations, but also smoothly solves the current problem of old-age pension. The pension account Can carry with you, is conducive to the free movement of rural labor force, and can become a unified institutional basis for urban and rural pension system, after all, the new idea of the rural pension system model choice.