农村社会养老保险(以下简称农保)起步至今已十五年,但现有农村居民的参保率不足6%左右,而且已参保农民中80%是在农保推行之初的几年里参保的。十几年来,农保在多数地区一直走走停停,徘徊不前。究其原因,笔者认为有两大“瓶颈”制约了农保的发展。一是国家政策扶持不到位。首先 Since the start of rural social pension insurance (hereinafter referred to as “rural social security insurance”) for 15 years, the existing rural residents have an insured rate of less than 6%, and 80% of the participating farmers have been insured in the early years Insured. In more than a decade, peasants and peasants and peasants have been on a stop-and-go walk in most parts of the world. The reason, I think there are two major “bottlenecks” have restricted the development of agricultural insurance. First, the national policy support is not in place. First of all