摘要：目前我国拥有世界上数量最多的老年人口，其中75%在农村。建立完善的农村养老保险制度对于稳定我国社会秩序，保障老年人晚年生活有着重要的作用。2009 年9月，国务院正式颁布了《国务院关于开展新型农村社会养老保险试点的指导意见》，提出了“建立个人缴费、政府补贴、集体补助相结合的新型农村社会养老保险制度”。这是一项重大的惠农政策，是对现有农村养老保险困境的重大突破。但与此同时，在新型社会养老保险制度中资金供给方面仍旧存在着一些问题。例如，基础养老金保障不足、整体保障水平低等。解决这些问题，需要改善政府提供补助的方式，建立有法律保障的养老保险制度。
关键词：新型农村社会养老保险； 资金供给； 基础养老金； 政府补助
Abstract：At present, China has the world's largest number of elderly population, 75% in rural areas. It is vital to improve the rural endowment insurance system to stable the social order and safeguard the future life of the elderly. September 2009, the State Council promulgated the "pilot guidance about carrying out the new rural social endowment insurance ", proposed the "establishment of individual contributions, government subsidies, the collective benefits which combined the new rural social endowment insurance system." This is a major benefit of rural citizens. Also, it is a large breakthrough of the plight of the existing insurance system. At the same time, the new social insurance system still has some problems in the capital supply area. For example, the system is lack of the basic pension and the protection of orderly’s future life. To solve these problems, we need to improve the way of government subsidies and to establish a legal which could protect the insurance system.
Key words：new rural social endowment insurance system; capital supply; basic pension; collective benefits
