| In September,2009,the general office of the State Council promulgated" on thedevelopment of new rural social old-age insurance pilot guidance", marked the entry ofour country into" new agriculture" the pilot phase. However," new agriculture" in thefund operation mechanism still exists defects. Pension fund is the old-age insurancesystem in rural areas is the key, the health is closely connected with China's ruralendowment insurance system can carry out smoothly. After clarifying" newagriculture" and rural pension fund operation mechanism and so on the basic conceptmeaning and in the characteristic foundation, analysis of China's rural old-ageinsurance system development process and the current operation mechanism ofpension fund, pension fund the problem of existence basically is rural economics isbackward, farmer income level is low; the premium bundle approach to violate thevoluntary insurance the principle of government guarantee; inadequate; inunderdeveloped area financial subsidies to implement it; pension fund investment arethe major problems in the overall level is low; the fund investment channel is onefold,preserve and increase the value of difficulty big; lack of scientific fund supervisionmechanism; laws and regulations are not perfect. Through the analysis of Germany,Singapore, Chile and other foreign rural pension fund operation experience andenlightenment. Finally, the author from the development of the rural economy, increasefarmer income; the abolition of premium bundle system; government is increased giveaid to strength, determine a reasonable proportion of the funding; welfare lottery issue,build rural endowment insurance fund; the establishment of provincial fund level; toestablish special agricultural insurance fund management mechanism; perfectagricultural insurance fund investment regulations; to establish a scientific fundinvestment risk early-warning system; improve the supervision system and putsforward countermeasures and suggestions. |
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