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《Journal of Huazhong Agricultural University(Social Sciences Edition)》 2011-03
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Appraisal on Individual Account Pension Divisor Coefficient of New Rural Social Endowment Insurance

WANG Cui-qin1,XUE Hui-yuan2(1.College of Humanities and Social Sciences,Huazhong Agricultural University,Wuhan,Hubei,430070;2.Center for Social Security Studies of Wuhan University,Wuhan,Hubei,430072)  
In accordance with the regulation by "State Council's Guiding Opinions on Carrying out New Rural Social endowment Insurance",the individual account pension divisor coefficient of new rural social endowment insurance in China now is 139.Calculation from deducing the formula of individual account pension divisor coefficient of new rural social endowment insurance shows that the individual account pension divisor coefficient of new rural social endowment insurance is quite low,and individual accounts will face the risk of deficit in the future.The individual account of new rural social endowment insurance is full funding system and is the full account from the beginning.When deficit occurs,it is necessary to find out reasons from system design and operation instead of putting state finance to bear the responsibility.Therefore,this paper suggests that individual account pension divisor coefficient should be adjusted in proper time.Meanwhile,individual account pension should implement market-oriented investment and operation in order to increase rate of return of individual account.
【Fund】: 教育部哲学社会科学研究重大课题攻关项目“新型农村社会养老保险制度研究”(09JZD0027);教育部人文社会科学重点研究基地重大项目“社会保障风险管理研究”(2009JJD630008);; 华中农业大学自主科技创新基金项目“新型农村社会养老保险政策绩效评估——基于可持续发展的视角”(2010QC026)
【CateGory Index】: F842.6
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