The current rural social pension insurance system is the first social pension security system officially targeted at farmers in my country's history, and its significance goes far beyond the economic security it provides to some farmers.

However, because there is no real policy and financial support in the system design, farmers have no enthusiasm to participate in social pension insurance.

With the development of society, the differentiation of rural social personnel requires us to conduct new thinking on the current rural social pension insurance system.

Rural social pension insurance system: the best choice for rural social pension security. Respecting, loving and respecting the elderly are traditional virtues of the Chinese nation that have existed for thousands of years. Family pension has always been the most important form of pension in rural areas of my country.

However, with the progress of society and economic development, the inefficient rural natural economy is gradually being replaced by high-efficiency new economic forms.

The concept of farmers is changing, the size of rural families is gradually getting smaller, the trend of rural aging is gradually intensifying, the function of family support is gradually degenerating, and family support has gradually become a bottleneck in rural social and economic development.

As a national welfare program fully subsidized by the government, although it fully embodies the principle of equity in the social security system and has a strong income redistribution function, due to its single source of funds, it brings a heavy financial burden to the government and cannot be used at all.

adopted by developing countries.

"Market failure" and "market defects" also determine that the market itself cannot produce an ideal social pension model.

First, personal short-sighted behavior.

Some people do not pay much attention to the utility of future consumption when making economic decisions.

Second, be cautious.

This creates a moral crisis for individuals as governments have long been assumed to have some responsibility for ensuring a minimum standard of living for the elderly and vulnerable.

Third, the market cannot provide a pension insurance plan designed to take care of people with low incomes throughout their lives.

Fourth, the market cannot address the various risks individuals may face when preparing for retirement.

As a quasi-public item, rural social pension insurance has obvious external effects and social benefits.

For the government, no matter what choice farmers make, the utility obtained by the government providing pension insurance subsidies will be greater than the utility obtained by not providing subsidies; for farmers, if the government does not provide subsidies, there will be no incentive to contribute.

Therefore, the rural social pension insurance scheme, which is subsidized by the government and paid by farmers, has become the best system choice for rural pension social security.

Government: The main body responsible for the construction of the rural social pension insurance system. The current rural social pension insurance plan adheres to the principle of "individual contributions are the mainstay, collective subsidies are supplementary, and the state provides policy support" in raising funds.

Since most collectives are unable or unwilling to provide subsidies for rural social pension insurance, the vast majority of ordinary farmers do not receive any subsidies. Therefore, rural social pension insurance under this method of fund raising is only a rural individual compulsory savings pension plan. It is not a social pension insurance in the true sense, which is also an important reason why my country's rural social pension insurance work has not been carried out over the years.

Judging from the practice of developing social pension insurance for farmers in developed countries, although farmers only account for a very small minority in the total population, the government has not ignored the "three rural" issues of the minority, and farmers enjoy a high political and social status.

Compared with cities, the income level of farmers is low, which is a common phenomenon around the world. In order to narrow the gap between urban and rural areas, industrialized countries encourage farmers to participate in the public annuity system through large subsidies.

As a developing country, although our country's financial strength is limited, the per capita income of farmers themselves is also low, and the financial subsidies required to establish a rural social pension insurance system at a low-income level are correspondingly very low.

In fact, since the reform of the tax-sharing system, the financial resources of the central and provincial levels have increased year by year, and they have the ability to provide financial support for the rural social pension insurance system.

The government's method of providing financial support (subsidy) can refer to Canada's farmers' annuity system and adopt a payment certainty model.

The payment certainty model refers to determining a relatively stable annuity payment standard through prediction, and then paying the pension insurance fund (including contributions from individual farmers and the government) according to this standard, and depositing it fully or partially into the individual farmers.

Account; when farmers reach a certain age and retire, the amount stored in their personal account (principal plus operating interest) will be used as a pension. They can choose to receive it in one lump sum, or in installments on a yearly or monthly basis.

This model can usually be expressed as "revenue determines expenditure".

The Canadian Farmers Annuity System was established in 1991 based on the Net Income Stabilization Account (NISA).

The account consists of two parts: Fund 1 and Fund 2.

Fund 1 is the deposit account of the participant; Fund 2 is the matching subsidies from the federal and provincial governments and the interest earned on deposits in the two funds.

The upper limit that participants are allowed to deposit in Fund 1 is 20% of their average net sales income from agricultural products in the past five years (up to a maximum of 150,000 Canadian dollars).

Once a participant deposits a certain amount of money, the administrator of NISA notifies the federal and provincial governments to deposit an equal amount of money into the farmer's fund account 2 according to the amount deposited by the farmer (the federal and provincial governments each contribute 50%

).

Farmers' savings and matching subsidies provided by the government are the basis for the payment of retirement annuities.

In our country, the government currently does not have the ability to reciprocally deposit subsidies, but as long as farmers who participate in pension insurance contributions are deposited 2 yuan into their accounts every month, it can greatly mobilize farmers' enthusiasm for participating in pension insurance.