新農保養老保障能力的可持續研究基于農民參保繳費檔次選擇的視角一、本文概述Overviewofthisarticle隨著中國社會經濟的快速發展，農村地區的社會保障問題日益凸顯，特別是農民的養老保障問題已成為社會關注的焦點。新型農村社會養老保險（簡稱新農保）作為我國農村社會保障體系的重要組成部分，其養老保障能力的可持續性直接關系到廣大農民的切身利益和社會穩定。本文旨在從農民參保繳費檔次選擇的視角，深入研究新農保養老保障能力的可持續性，以期為完善我國農村社會保障制度提供理論支撐和實踐指導。WiththerapiddevelopmentofChina'ssocio-economicsituation,thesocialsecurityissuesinruralareashavebecomeincreasinglyprominent,especiallytheissueofelderlycareforfarmers,whichhasbecomeafocusofsocialattention.AsanimportantcomponentofChina'sruralsocialsecuritysystem,thesustainabilityofthenewruralsocialpensioninsurance(referredtoastheNewRuralSocialPensionInsurance)isdirectlyrelatedtothevitalinterestsoffarmersandsocialstability.Thisarticleaimstoconductin-depthresearchonthesustainabilityofthenewruralsocialsecurityandelderlycarecapacityfromtheperspectiveofselectingthepaymentlevelforfarmers,inordertoprovidetheoreticalsupportandpracticalguidanceforimprovingChina'sruralsocialsecuritysystem.本文將對新農保制度進行簡要介紹，包括其發展歷程、基本框架和運行機制等，為后續研究奠定理論基礎。在此基礎上，通過對農民參保繳費檔次選擇的現狀分析，揭示農民參保繳費行為的影響因素和存在的問題。Thisarticlewillprovideabriefintroductiontothenewagriculturalinsurancesystem,includingitsdevelopmentprocess,basicframework,andoperationalmechanism,layingatheoreticalfoundationforsubsequentresearch.Onthisbasis,byanalyzingthecurrentsituationoftheselectionoflevelsforfarmerstoparticipateininsurancepayment,theinfluencingfactorsandexistingproblemsoffarmers'insurancepaymentbehaviorarerevealed.本文將運用定量和定性相結合的研究方法，深入剖析農民參保繳費檔次選擇對新農保養老保障能力可持續性的影響。通過構建數學模型和實證分析，評估不同繳費檔次下新農保的養老保障水平，進而探討農民參保繳費檔次選擇與新農保養老保障能力之間的內在聯系。Thisarticlewilluseacombinationofquantitativeandqualitativeresearchmethodstodeeplyanalyzetheimpactoftheselectionofthelevelofparticipationandpaymentoffarmersonthesustainabilityofthenewruralsocialsecurityandelderlycarecapacity.Byconstructingmathematicalmodelsandconductingempiricalanalysis,evaluatethelevelofpensionsecurityofthenewruralinsuranceunderdifferentpaymentlevels,andfurtherexploretheinherentrelationshipbetweentheselectionofpaymentlevelsforfarmersandthepensionsecuritycapacityofthenewruralinsurance.本文將從政策層面和實踐層面提出提升新農保養老保障能力可持續性的對策建議。通過優化繳費檔次設置、提高政策宣傳效果、完善制度運行機制等措施，引導農民合理選擇繳費檔次，增強新農保制度的吸引力和可持續性。本文還將對研究結論進行總結，并對未來研究方向進行展望。Thisarticlewillproposepolicyandpracticalsuggestionstoenhancethesustainabilityofthenewruralsocialsecurityandelderlycarecapacity.Byoptimizingthesettingofpaymentlevels,improvingtheeffectivenessofpolicypromotion,andimprovingtheoperationalmechanismofthesystem,weguidefarmerstochoosepaymentlevelsreasonably,andenhancetheattractivenessandsustainabilityofthenewagriculturalinsurancesystem.Thisarticlewillalsosummarizetheresearchconclusionsandprovideprospectsforfutureresearchdirections.通過本文的研究，旨在為新農保制度的完善和發展提供有益參考，推動我國農村社會保障事業的健康發展。Thepurposeofthisstudyistoprovideusefulreferencesfortheimprovementanddevelopmentofthenewruralsocialsecuritysystem,andtopromotethehealthydevelopmentofruralsocialsecurityinChina.二、新農保制度概述OverviewoftheNewAgriculturalInsuranceSystem新型農村社會養老保險（簡稱“新農保”）是我國政府針對農村居民推出的一項重要的社會保障制度。該制度旨在通過個人繳費、集體補助和政府補貼相結合的方式，建立農村居民的養老保險個人賬戶，以保障農村居民在老年時的基本生活需求。新農保制度的實施，對于推動農村社會保障體系的完善、促進社會公平正義、實現全面建設社會主義現代化國家的目標具有重要意義。TheNewRuralSocialPensionInsurance(referredtoas"NewRuralInsurance")isanimportantsocialsecuritysystemlaunchedbytheChinesegovernmentforruralresidents.Thissystemaimstoestablishindividualaccountsforruralresidents'pensioninsurancethroughacombinationofindividualcontributions,collectivesubsidies,andgovernmentsubsidies,inordertoensurethebasiclivingneedsofruralresidentsintheiroldage.Theimplementationofthenewruralsocialsecuritysystemisofgreatsignificanceforpromotingtheimprovementoftheruralsocialsecuritysystem,promotingsocialfairnessandjustice,andachievingthegoalofcomprehensivelybuildingasocialistmodernizedcountry.新農保制度的特點主要表現在以下幾個方面：一是以個人賬戶為基礎，實現養老保險的個人積累；二是政府補貼力度大，對農村居民的參保繳費給予一定的財政支持；三是實行多檔次繳費制度，允許參保農民根據自身經濟條件選擇不同的繳費檔次，以實現個人權益的最大化；四是制度設計上具有可持續性，通過合理的繳費機制和養老金待遇調整機制，確保制度的長期穩定運行。Thecharacteristicsofthenewruralinsurancesystemaremainlyreflectedinthefollowingaspects:firstly,basedonpersonalaccounts,achievingpersonalaccumulationofpensioninsurance;Secondly,thegovernmentprovidesstrongsubsidiesandprovidescertainfinancialsupportforruralresidentstoparticipateininsurancepayments;Thethirdistoimplementamulti-levelpaymentsystem,allowinginsuredfarmerstochoosedifferentpaymentlevelsbasedontheirowneconomicconditions,inordertomaximizetheirpersonalrightsandinterests;Fourthly,thesystemdesignshouldbesustainable,ensuringthelong-termstableoperationofthesystemthroughareasonablepaymentmechanismandpensionbenefitadjustmentmechanism.在新農保制度框架下，農民參保繳費檔次的選擇成為影響養老保障能力的重要因素。不同的繳費檔次決定了個人賬戶的積累規模和未來的養老金待遇水平。因此，研究農民參保繳費檔次選擇的行為特征、影響因素及其與養老保障能力的關系，對于優化新農保制度設計、提高農民參保積極性、增強制度可持續性等方面具有重要意義。隨著農村經濟社會的發展和人口老齡化趨勢的加劇，如何在新農保制度框架下進一步提高養老保障能力，也成為當前亟待解決的問題。Undertheframeworkofthenewruralsocialsecuritysystem,thechoiceofthelevelofparticipationandpaymentforfarmershasbecomeanimportantfactoraffectingtheirabilitytoprovidepensionsecurity.Thedifferentpaymentlevelsdeterminetheaccumulationscaleofindividualaccountsandthefuturelevelofpensionbenefits.Therefore,studyingthebehavioralcharacteristics,influencingfactors,andtheirrelationshipwiththeabilityofelderlycaresecurityintheselectionofinsurancepaymentlevelsforfarmersisofgreatsignificanceforoptimizingthedesignofthenewagriculturalinsurancesystem,improvingtheenthusiasmoffarmerstoparticipateininsurance,andenhancingthesustainabilityofthesystem.Withthedevelopmentofruraleconomyandsocietyandtheintensificationofpopulationagingtrend,howtofurtherimprovetheelderlycaresecuritycapacityunderthenewruralsocialsecuritysystemframeworkhasbecomeanurgentproblemtobesolved.三、農民參保繳費檔次選擇的現狀分析AnalysisoftheCurrentSituationofChoosingtheLevelofFarmers'InsurancePayment隨著中國社會經濟的發展和人口老齡化趨勢的加劇，新農保（新型農村社會養老保險）作為社會保障體系的重要組成部分，對于農民養老保障能力的提升起到了至關重要的作用。然而，要深入理解新農保的養老保障能力，就必須對農民參保繳費檔次選擇的現狀進行深入分析。WiththedevelopmentofChina'ssocialeconomyandtheintensificationoftheagingpopulationtrend,theNewRuralSocialPensionInsurance(NewRuralSocialPensionInsurance),asanimportantcomponentofthesocialsecuritysystem,playsacrucialroleinenhancingtheelderlycaresecuritycapacityoffarmers.However,inordertogainadeeperunderstandingoftheelderlycareguaranteecapacityofthenewruralinsurance,itisnecessarytoconductathoroughanalysisofthecurrentsituationoftheselectionofpaymentlevelsforfarmersparticipatingintheinsurance.當前，農民參保繳費檔次選擇存在顯著的多樣性和差異性。這主要源于農民個體經濟狀況、養老預期、風險承受能力以及新農保政策宣傳和實施效果等多重因素的影響。一部分農民選擇較低的繳費檔次，主要是出于對經濟承受能力的考慮，他們擔心過高的繳費壓力會對其日常生活產生負面影響。而另一部分農民則選擇較高的繳費檔次，他們通常具有較強的經濟實力，對養老保障有較高的期待，并愿意通過提高繳費檔次來獲得更高的養老保障水平。Currently,thereissignificantdiversityanddifferenceintheselectionofinsurancepaymentlevelsforfarmers.Thisismainlyduetotheinfluenceofmultiplefactorssuchasindividualeconomicconditionsoffarmers,expectationsforelderlycare,risktolerance,andthepromotionandimplementationeffectsofthenewagriculturalinsurancepolicy.Somefarmerschooselowerpaymentlevelsmainlyoutofconsiderationfortheireconomicaffordability.Theyareconcernedthatexcessivepaymentpressuremayhaveanegativeimpactontheirdailylives.Andanothergroupoffarmerschoosehigherpaymentlevels,theyusuallyhavestrongeconomicstrength,highexpectationsforpensionsecurity,andarewillingtoobtainhigherlevelsofpensionsecuritybyincreasingpaymentlevels.不同地區的農民參保繳費檔次選擇也存在差異。在經濟較發達、農民收入較高的地區，農民更有可能選擇較高的繳費檔次；而在經濟相對落后、農民收入較低的地區，農民則可能更傾向于選擇較低的繳費檔次。這種地區差異在一定程度上反映了新農保政策在不同地區的實施效果和農民對新農保政策的接受程度。Therearealsodifferencesintheselectionofinsurancepaymentlevelsamongfarmersindifferentregions.Ineconomicallydevelopedareaswithhigherincomeforfarmers,theyaremorelikelytochoosehigherpaymentlevels;Inareaswithrelativelyunderdevelopedeconomiesandlowerincomeforfarmers,theymaybemoreinclinedtochooselowerpaymentlevels.Thisregionaldifferencetoacertainextentreflectstheimplementationeffectofthenewagriculturalinsurancepolicyindifferentregionsandthedegreeofacceptanceofthenewagriculturalinsurancepolicybyfarmers.針對農民參保繳費檔次選擇的現狀，我們需要從多個方面進行深入分析和研究。要深入了解農民的經濟狀況、養老預期和風險承受能力等個體特征，以便更好地理解他們的繳費檔次選擇行為。要加強對新農保政策的宣傳和推廣，提高農民對新農保政策的認知度和信任度，鼓勵他們選擇更高的繳費檔次。要進一步完善新農保政策體系，提高政策的吸引力和可持續性，以更好地滿足農民的養老保障需求。Weneedtoconductin-depthanalysisandresearchfrommultipleaspectsinresponsetothecurrentsituationoftheselectionofinsurancepaymentlevelsforfarmers.Togainadeeperunderstandingofindividualcharacteristicssuchastheeconomicstatus,pensionexpectations,andrisktoleranceoffarmers,inordertobetterunderstandtheirpaymentlevelselectionbehavior.Weneedtostrengthenthepublicityandpromotionofthenewagriculturalinsurancepolicy,increasefarmers'awarenessandtrustinthepolicy,andencouragethemtochoosehigherpaymentlevels.Weneedtofurtherimprovethenewagriculturalinsurancepolicysystem,enhancetheattractivenessandsustainabilityofthepolicies,inordertobettermeettheelderlycaresecurityneedsoffarmers.四、新農保養老保障能力的評估EvaluationoftheNewRuralInsurancePensionSecurityCapability新農保作為我國農村社會保障體系的重要組成部分，其養老保障能力的評估至關重要。基于農民參保繳費檔次選擇的視角，我們對新農保的養老保障能力進行了深入分析。AsanimportantcomponentofChina'sruralsocialsecuritysystem,theevaluationofthepensionsecuritycapacityofthenewruralsocialsecuritysystemiscrucial.Basedontheperspectiveofselectingthepaymentlevelforfarmerstoparticipateinsocialinsurance,weconductedanin-depthanalysisofthepensionsecuritycapacityofthenewruralinsurance.從農民參保繳費檔次的選擇情況來看，新農保的覆蓋范圍較廣，但不同檔次的參保率存在差異。較低的繳費檔次往往更受歡迎，這反映了農民在經濟承受能力和風險意識上的現實考量。這種選擇雖然有助于新農保的快速推廣，但也可能影響未來的養老保障水平。Fromtheselectionofpaymentlevelsforfarmerstoparticipateininsurance,thecoverageofthenewruralinsuranceisrelativelywide,buttherearedifferencesintheinsuranceratesamongdifferentlevels.Lowerpaymentlevelsareoftenmorepopular,reflectingthepracticalconsiderationsoffarmersintermsofeconomicaffordabilityandriskawareness.Althoughthischoicemaycontributetotherapidpromotionofthenewruralsocialsecuritysystem,itmayalsoaffectthefuturelevelofpensionsecurity.新農保的養老保障能力受到多種因素的影響。其中，政策設計、經濟發展水平、農民收入狀況、社會保障意識等都是影響新農保養老保障能力的重要因素。政策設計的合理性和完善性直接關系到新農保的可持續發展和養老保障能力的提升。經濟發展水平則決定了新農保的財政支持能力和農民的繳費能力。農民收入狀況和社會保障意識則直接影響農民的參保積極性和繳費檔次選擇。Thepensionsecuritycapacityofthenewruralinsuranceisinfluencedbyvariousfactors.Amongthem,policydesign,economicdevelopmentlevel,incomestatusoffarmers,andsocialsecurityawarenessareallimportantfactorsthataffecttheabilityofthenewruralsocialsecuritypensionsystem.Therationalityandcompletenessofpolicydesignaredirectlyrelatedtothesustainabledevelopmentofthenewagriculturalinsuranceandtheimprovementoftheelderlycaresecuritycapacity.Thelevelofeconomicdevelopmentdeterminesthefinancialsupportcapacityofthenewagriculturalinsuranceandthepaymentcapacityoffarmers.Theincomestatusandsocialsecurityawarenessoffarmersdirectlyaffecttheirenthusiasmforparticipatingininsuranceandtheirchoiceofpaymentlevel.基于農民參保繳費檔次選擇的視角，我們對新農保的養老保障能力進行了評估。雖然新農保在覆蓋范圍和參保率上取得了顯著成績，但養老保障能力仍有待提升。未來，應進一步完善政策設計，提高政策吸引力和可持續性。應加大財政支持力度，提高農民的繳費能力和參保積極性。還應加強社會保障意識宣傳和教育，提高農民對社會保障的認識和重視程度。Basedontheperspectiveofselectingthepaymentlevelforfarmerstoparticipateinsocialinsurance,weevaluatedthepensionsecuritycapacityofthenewruralinsurance.Althoughthenewruralinsurancehasachievedsignificantresultsincoverageandparticipationrate,theabilityofelderlycaresecuritystillneedstobeimproved.Inthefuture,policydesignshouldbefurtherimprovedtoenhanceitsattractivenessandsustainability.Weshouldincreasefinancialsupporttoimprovethepaymentabilityandparticipationenthusiasmoffarmers.Weshouldalsostrengthenthepromotionandeducationofsocialsecurityawareness,andincreasetheawarenessandimportanceofsocialsecurityamongfarmers.新農保的養老保障能力評估是一個復雜而重要的任務。只有全面、客觀地評估新農保的養老保障能力，才能發現存在的問題和不足，為未來的改進和發展提供有力支持。Theevaluationoftheelderlycaresecuritycapacityofthenewruralinsuranceisacomplexandimportanttask.Onlybycomprehensivelyandobjectivelyevaluatingthepensionsecuritycapacityofthenewruralinsurancecanweidentifyexistingproblemsandshortcomings,andprovidestrongsupportforfutureimprovementanddevelopment.五、新農保養老保障能力可持續性的挑戰與對策Challengesandcountermeasuresforthesustainabilityofthenewruralsocialsecurityandelderlycarecapacity隨著中國社會經濟的持續發展，新農保養老保障體系的建立與完善已經成為保障農村老年人生活質量、促進城鄉協調發展的關鍵所在。然而，在實踐中，新農保養老保障能力的可持續性面臨著諸多挑戰。WiththecontinuousdevelopmentofChina'ssocialeconomy,theestablishmentandimprovementofthenewruralsocialsecurityandelderlycaresystemhasbecomethekeytoensuringthequalityoflifeofelderlypeopleinruralareasandpromotingcoordinatedurban-ruraldevelopment.However,inpractice,thesustainabilityofthenewruralsocialsecurityandelderlycarecapacityfacesmanychallenges.挑戰一：農民參保繳費檔次選擇的不均衡。由于農民收入水平、認知程度、風險意識等方面的差異，農民在選擇參保繳費檔次時存在明顯的差異。部分農民傾向于選擇較低的繳費檔次，從而影響了新農保基金的積累與養老保障能力的提升。Challenge1:Unevenselectionofinsurancepaymentlevelsforfarmers.Duetodifferencesinincomelevels,cognitivelevels,andriskawarenessamongfarmers,therearesignificantdifferencesintheirchoiceofinsurancepaymentlevels.Somefarmerstendtochooselowerpaymentlevels,whichaffectstheaccumulationofnewagriculturalinsurancefundsandtheimprovementofpensionsecuritycapabilities.挑戰二：人口老齡化趨勢加劇。隨著農村人口老齡化趨勢的加劇，新農保的養老保障壓力逐漸增大。如何在有限的基金積累下，滿足日益增長的養老保障需求，是新農保養老保障能力可持續性的重要挑戰。Challenge2:Thetrendofagingpopulationisintensifying.Withtheintensificationoftheagingtrendofruralpopulation,thepressureofelderlycaresecurityunderthenewruralsocialsecuritysystemisgraduallyincreasing.Howtomeetthegrowingdemandforpensionsecuritywithlimitedfundaccumulationisanimportantchallengeforthesustainabilityofthenewruralsocialsecuritypensionsecuritycapacity.對策一：優化參保繳費檔次設置。應根據農民收入水平、養老保障需求等因素，科學設置參保繳費檔次，引導農民根據自身實際情況選擇合適的繳費檔次，實現繳費與保障的良性互動。Countermeasure1:Optimizethesettingofinsurancepaymentlevels.Accordingtofactorssuchastheincomeleveloffarmersandtheirneedsforpensionsecurity,thelevelofparticipationandpaymentshouldbescientificallyset,guidingfarmerstochoosetheappropriatepaymentlevelbasedontheiractualsituation,andachievingapositiveinteractionbetweenpaymentandsecurity.對策二：加大財政投入力度。政府應加大對新農保的財政投入力度，提高補貼水平，降低農民參保的經濟負擔，增強農民參保的積極性。同時，通過財政補貼、稅收優惠等措施，鼓勵企業、社會組織等多元主體參與新農保建設，形成多元化的養老保障資金來源。Countermeasure2:Increasefiscalinvestment.Thegovernmentshouldincreasefinancialinvestmentinthenewagriculturalinsurance,increasesubsidylevels,reducetheeconomicburdenoffarmersparticipatingininsurance,andenhancetheirenthusiasmforparticipatingininsurance.Atthesametime,throughmeasuressuchasfiscalsubsidiesandtaxincentives,weencouragediverseentitiessuchasenterprisesandsocialorganizationstoparticipateintheconstructionofthenewruralsocialsecuritysystem,formingadiversifiedsourceofpensionsecurityfunds.對策三：加強制度創新與改革。應不斷完善新農保制度設計，創新養老保障方式，如探索建立個人賬戶與統籌賬戶相結合的制度模式，提高新農保基金的保值增值能力。同時，推動城鄉養老保險制度的銜接與整合，實現城鄉養老保障的一體化發展。Strategythree:Strengtheninstitutionalinnovationandreform.Weshouldcontinuouslyimprovethedesignofthenewruralsocialsecuritysystem,innovatepensionsecuritymethods,suchasexploringtheestablishmentofasystemmodelthatcombinespersonalaccountsandoverallaccounts,andimprovethevaluepreservationandappreciationabilityofthenewruralsocialsecurityfund.Atthesametime,promotetheconnectionandintegrationofurbanandruralpensioninsurancesystems,andachievetheintegrateddevelopmentofurbanandruralpensionsecurity.對策四：提高農民養老保障意識。通過宣傳教育、普及養老保障知識等方式，提高農民的養老保障意識，引導農民積極參與新農保，為新農保養老保障能力的可持續性提供有力支撐。Strategy4:Improvetheawarenessofelderlycaresecurityamongfarmers.Bypromotingeducationandpopularizingknowledgeaboutelderlycare,weaimtoenhancetheawarenessofelderlycareamongfarmers,guidethemtoactivelyparticipateinthenewruralinsurance,andprovidestrongsupportforthesustainabilityofthenewruralinsurance'selderlycarecapacity.新農保養老保障能力的可持續性面臨著多方面的挑戰，需要政府、社會、農民等多方共同努力，通過優化制度設計、加大投入力度、創新保障方式等措施，推動新農保養老保障能力的持續提升與發展。Thesustainabilityofthenewruralsocialsecurityandelderlycarecapacityfacesvariouschallenges,whichrequirethejointeffortsofthegovernment,society,farmers,andotherpartiestopromotethecontinuousimprovementanddevelopmentofthenewruralsocialsecurityandelderlycarecapacitythroughmeasuressuchasoptimizinginstitutionaldesign,increasinginvestment,andinnovatingsecuritymethods.六、案例分析Caseanalysis本研究選取了縣作為新農保養老保障能力可持續性的具體案例分析對象。縣是我國中部地區的一個農業大縣，農民人口占總人口的近七成，具有較高的代表性。近年來，隨著新農保政策的深入實施，縣農民參保積極性逐漸提高，不同繳費檔次的選擇也成為研究的焦點。Thisstudyselectedcountiesasspecificcasestudiestoanalyzethesustainabilityofthenewruralsocialsecurityandelderlycarecapacity.CountyisamajoragriculturalcountyincentralChina,withnearly70%ofthetotalpopulationbeingfarmers,makingithighlyrepresentative.Inrecentyears,withthedeepeningimplementationofthenewagriculturalinsurancepolicy,theenthusiasmofcountyfarmerstoparticipateininsurancehasgraduallyincreased,andthechoiceofdifferentpaymentlevelshasalsobecomethefocusofresearch.在縣，新農保的繳費檔次分為五檔，從最低檔每年100元到最高檔每年5000元不等。通過對縣農民參保繳費檔次選擇的數據進行收集和分析，發現大部分農民選擇了中低檔次的繳費，其中最低檔次的選擇者占據了相當一部分比例。這一現象背后反映了農民對新農保政策的理解程度、經濟承受能力以及養老保障需求等多重因素。Inthecounty,thepaymentlevelofthenewruralinsuranceisdividedintofivelevels,rangingfromthelowestlevelof100yuanperyeartothehighestlevelof5000yuanperyear.Bycollectingandanalyzingdataontheselectionofinsurancepaymentlevelsforcountyfarmers,itwasfoundthatmostfarmerschosetopayinthemiddleandlowlevels,withaconsiderableproportionofthosechoosingthelowestlevel.Thisphenomenonreflectsmultiplefactorssuchasfarmers'understandingofthenewagriculturalinsurancepolicy,theireconomiccapacity,andtheirdemandforpensionsecurity.進一步分析發現，選擇最低檔次繳費的農民主要是經濟能力較弱的老年人，他們雖然參加了新農保，但由于繳費能力有限，只能選擇最低檔次。這部分人群在未來的養老保障中，可能獲得的養老金待遇相對較低，對養老保障能力的可持續性構成了一定的挑戰。Furtheranalysisrevealsthatthefarmerswhochoosethelowestlevelofpaymentaremainlyelderlypeoplewithweakereconomiccapabilities.Althoughtheyhaveparticipatedinthenewruralinsurance,duetotheirlimitedpaymentability,theycanonlychoosethelowestlevel.Thisgroupofpeoplemayreceiverelativelylowpensionbenefitsinfuturepensionsecurity,whichposesacertainchallengetothesustainabilityoftheirpensionsecuritycapabilities.而對于選擇中高檔次繳費的農民，他們通常具有一定的經濟基礎和養老保障意識，愿意通過增加繳費來提高未來的養老金待遇。這部分人群的參保行為對于新農保養老保障能力的可持續性具有積極的推動作用。Forfarmerswhochoosetopayinthemiddleandhighend,theyusuallyhaveacertaineconomicfoundationandawarenessofpensionsecurity,andarewillingtoincreasetheircontributionstoimprovetheirfuturepensionbenefits.Theparticipationbehaviorofthisgroupofpeoplehasapositivepromotingeffectonthesustainabilityofthenewagriculturalinsurancepensionguaranteecapacity.縣還通過政策宣傳和引導，鼓勵農民選擇更高檔次的繳費。例如，對于選擇高檔次繳費的農民，政府會給予一定的補貼或優惠政策，以提高他們的參保積極性。這一舉措在一定程度上促進了新農保養老保障能力的可持續發展。Thecountyalsoencouragesfarmerstochoosehigher-levelpaymentthroughpolicypromotionandguidance.Forexample,forfarmerswhochoosetopayatahigherlevel,thegovernmentwillprovidecertainsubsidiesorpreferentialpoliciestoenhancetheirparticipationininsurance.Thismeasurehastosomeextentpromotedthesustainabledevelopmentofthenewruralsocialsecurityandelderlycarecapacity.通過對縣的案例分析，可以看出農民參保繳費檔次選擇對于新農保養老保障能力的可持續性具有重要影響。未來，應進一步加強對農民的宣傳教育，提高他們的參保意識和養老保障需求，同時完善政策體系，提高新農保的保障水平，確保養老保障能力的可持續發展。Throughthecaseanalysisofthecounty,itcanbeseenthattheselectionofthelevelofparticipationandpaymentbyfarmershasasignificantimpactonthesustainabilityofthenewruralsocialsecurityandelderlycarecapacity.Inthefuture,itisnecessarytofurtherstrengthenthepublicityandeducationoffarmers,improvetheirawarenessofinsuranceparticipationandtheirneedsforelderlycaresecurity,whileimprovingthepolicysystemandenhancingthelevelofprotectionfornewagriculturalinsurance,toensurethesustainabledevelopmentofelderlycaresecuritycapabilities.七、結論與展望ConclusionandOutlook本文基于農民參保繳費檔次選擇的視角，對新農保養老保障能力的可持續性進行了深入研究。通過對農民參保繳費檔次選擇行為的分析，揭示了新農保制度在實施過程中面臨的挑戰與問題，同時也探討了影響農民參保繳費檔次選擇的各種因素。Thisarticleconductsanin-depthstudyonthesustainabilityofthenewruralsocialsecuritypensionguaranteecapacityfromtheperspectiveofselectingthepaymentlevelforfarmerstoparticipateininsurance.Byanalyzingthebehavioroffarmersinchoosingthelevelofinsurancepayment,thechallengesandproblemsfacedbythenewagriculturalinsurancesystemintheimplementationprocesswererevealed,andvariousfactorsaffectingtheselectionofthelevelofinsurancepaymentforfarmerswerealsoexplored.研究結論顯示，農民參保繳費檔次的選擇受到多種因素的影響，包括個人經濟狀況、家庭結構、養老預期、制度信任度等。不同地區的農民參保繳費檔次選擇存在明顯的差異，這與地區經濟發展水平、文化傳統、政策宣傳等因素有關。新農保制度本身的設計也存在一些不足，如繳費檔次設置不夠靈活、政府補貼力度有限等，這些問題也在一定程度上影響了農民的參保繳費檔次選擇。Theresearchconclusionshowsthatthechoiceofinsurancepaymentlevelforfarmersisinfluencedbyvariousfactors,includingpersonaleconomicstatus,familystructure,pensionexpectations,andinstitutionaltrust.Therearesignificantdifferencesintheselectionofinsurancepaymentlevelsamongfarmersindifferentregions,whichisrelatedtofactorssuchasregionaleconomicdevelopmentlevel,culturaltraditions,andpolicypromotion.Thedesignofthenewagriculturalinsurancesystemitselfalsohassomeshortcomings,suchasinflexiblepaymentlevelsandlimitedgovernmentsubsidies,whichtosomeextent