西方发达国家农村养老保障的实践及其启示

西方发达国家农村养老保障制度的建立和完善经历了1个多世纪的历史发展过程,主要有四种模式:收入关联年金模式、平均津贴的普遍养老金模式、专业性农民年金模式和农民个人储蓄性模式。这些模式既发挥了积极作用,同时也面临着一些困难和问题,西方发达国家正在进行改革探索。借鉴其经验教训,在建设中国农村养老保障制度过程中,一要注重法律规范,二要与经济发展相适应,三要体现保障层次的多样化,四要重视发挥政府的主导作用。

Practice and inspiration about guarantee of providing for the aged in western developed countries' village

The establishment and perfection of guarantee system about providing for the aged in western developed countries village has gone through a historical development course for more than a century, and mainly have four kinds of modes: Gaining relevant to annuity mode, average subvention generalized retirement allowance mode, special peasant annuity mode, and peasant individual saving mode. These modes bring positive actions into play, and face to some trouble and problems at the same time. The western developed countries are reforming and studying. We should use the experience and precept of western developed countries for reference. In the process of building Chinese guarantee system of providing for the aged in village, first we should pay attention to normalizing it by law, secondly, it should be suited to economic progress, thirdly it should reflect the variety of guarantee level, and the last we should set great store by bringing government' s leading role into play.