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当前,我国农民分化为纯农户、农民工和失地农民,他们在职业、收入、居住方式等方面各不相同,因而其社会养老保险模式也应有别,从而构成三元模式:对纯农户,应采取“基础养老保险”+“附加养老保险”模式;对农民工,应实行“个人账户”+“社会统筹账户”模式;对失地农民,应探索“个人账户”+“基础养老金账户”+“储备金账户”模式。在此基础上,建立纯农户为主体的最低生活保障制度,探索农民工的社会养老保险配套制度,完善失地农民的补偿安置制度,以真正提高老年农民的生活水平。
At present, the peasants in our country are divided into pure peasants, peasant workers and land-lost peasants. They have different occupations, incomes, living styles and other aspects. Therefore, the social pension insurance model should be different from each other to form a ternary model: Should adopt the model of “basic pension insurance” + “supplementary pension insurance”; for migrant workers, the “individual account” + “social pooling account” mode should be implemented; for the landless peasants, the “individual Account ”+ “ Basic Pension Account ”+ “ Reserve Account ”Mode. On this basis, we should set up the minimum living guarantee system with pure farmer as the main body, explore the supporting system of social endowment insurance for peasant workers and improve the compensation and resettlement system of landless peasants, in order to truly improve the living standard of the peasants.