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在构建社会主义和谐社会和建设更高水平的小康进程中,农村居民的养老保障是统筹城乡社会保障体系建设的难题之一,也是社会主义新农村建设中的薄弱环节。目前,黑龙江省农村社会养老保险的实践还存在着参保率低、覆盖面窄、筹集资金困难、缴费水平低,缺乏有效管理机制等等问题。因而对黑龙江省农村社会养老保险工作进行理论性研究,为构建与黑龙江省经济发展和财政支付能力相适应的新型农村养老保险体系提供政策参考尤为重要。
In the process of building a harmonious socialist society and building a well-off society at a higher level, the pension for rural residents is one of the problems in coordinating the social security system construction in urban and rural areas and the weak link in the construction of a new socialist countryside. At present, the practice of rural social endowment insurance in Heilongjiang Province still has the problems of low insured rate, narrow coverage, difficulty in raising funds, low payment level and lack of effective management mechanism. Therefore, it is particularly important to provide theoretical reference for the rural social endowment insurance in Heilongjiang Province and to provide policy reference for constructing a new type of rural endowment insurance system suitable for economic development and financial disbursement in Heilongjiang Province.