中国农村养老保障的制度创新与农村人口发展

本文以城乡统筹社会保障改革的指导思想为指引，立足于中国农村人口转型的时代背景和发展趋势，结合国际农村社会保障最新发展趋势的分析，探讨中国农村养老保障制度的制度创新问题。文章认为当前农村应着眼于计生家庭、高龄人口及无子女家庭等重点人群，更加重视老年津贴、小额保险和特种储蓄等新兴政策工具，更好地实现社会养老保障同传统的家庭保障、村社集体互助组织等的有机结合。走出一条城乡之间相对独立而又良性互动的、有中国特色的养老保障之路。

The Development of the Rural Population and Old-age Security System Innovation in Rural China

This paper will, under the guiding ideology of integration for urban and rural social security reform, the background of the rural China＇s demographic transformation, analyze China＇s rural old-age security system so as to do innovation, by the comparative analysis of international rural social security system evolution path. We should pay more attention to the crucial groups including the households that practice family planning by having only one child or two girls, the oldest, and the households with no children and concentrate on some new policy instruments like old-age allowances, micro-insurance and tax-free saving plans for old-age. The target is to make rural social old-age security system match with the traditional family protection, collective mutual aid organizations so as to construct our Chinese characteristics of multi-level old-age security system between rural and urban.