【作者】 李加明；

【机构】 安徽财经大学金融学院保险系；

【摘要】 我国城市化进程的推进催生出失地农民这一特殊的社会群体,他们现有的生存状况折射出养老所面临的进退两难的困境。本文在对目前我国各地实施的失地农民养老保险不同模式比较分析的基础上,从失地农民、政府、保险公司三者角度对商业保险参与的失地农民养老的有效性进行了分析,提出我们应该在致力于真正解决失地农民养老问题的基础上,不断探索适合不同地区的商业保险参与的失地农民养老之路。更多还原

【Abstract】 The urbanization advancement of our country has expedited a special social group-farmer who lose land.their existing survival condition refracts that their providing for the aged has in a dilemma position.This article analysis the different patterns of their old-age insurance which have carried on in different areas of our country at present.On condition of it,we analysis the validity of commercial insurance for the aged farmers who lost the land from three angles:the farmers who lost land,the government and the insurance companies.Proposed that we should commit ourselves to exploring different commercial insurance patterns of providing for the aged farmers,which suits for different areas,in order to settle their real aging problems.更多还原