Study On Contribution And Beneift Of Individual Account Of New Rural Pension System

China is an agricultural big country, agricultural population occupiescountrywide population50%above. With the development of economy and theimprovement of people’s living standards, China’s aging population issue isincreasingly outstanding also, not only is the town, rural elderly population hasreached a considerable proportion. How to improve farmers’ living standards,increasing farmer income is the urgent need to solve the problem. Therefore,establishing and perfecting the rural social endowment insurance system is the key tosolve the problem. Chinese rural social endowment insurance system started in thelast century eighty’s, through continuous exploration and development,2009, decisionof the State Council in the10%counties (city, area, flag) in the new rural socialpension insurance pilot work, strive for in2020the implementation of the newagricultural insurance" full coverage". At the same time also provides The newagricultural insurance the implementation of social pooling and individual accountaccording to the principle of combining, stipulated payment standards andgovernment subsidies standards and other related content, so that the new agriculturebegan to enter standardization, truly for the farmers’ welfare.The new agricultural insurance the implementation of personal payment,collective allowance, government subsidies three interactive benign loop model.Further highlights the state of the aged peasants responsibility, made clear agovernment to invest capital principle, it is with farmer and farmer completely selfsaving model of maximum difference. Personal account as new agricultural insuranceis an important part, reflect efficiency and fairness balance principle. Individualaccount payment mode, the state100-500a total of five grades, the choice of highgrade of certain subsidies to encourage. At the same time, the local government toinsured farmers’ personal accounts for not less than30yuan per person per yearsubsidy. When the farmers to" retire" age, old-age pension=basic pension+individual account pension, individual account in part for the entire balance dividedby139. According to the personal account payment and payment link carries onresearch on relevant problems of the actuarial model, calculation, whether peasants can afford new agricultural insurance payment, and individual account pensionreplacement rate was studied. Finally, the individual account questions the existenceof optimal solution, on the new agricultural insurance system deficiencies and putforward some policy suggestions.