目前的農村養老保險方案符合農村的情況而且也引起了農民的廣泛關注，同時，這些方案也符合政府、集體、個人均須承擔部分費用的原則。現在的方案有三個優勢。第一，農民自己付出保險金最大的一部分，而集體只負責出補助費用。這與農村地區所處經濟增長階段不同並且農民收入增長不穩定的現狀是相符合的。第二，采用個人帳戶，明確定義資金所有結構，這減輕了農民關於過去平等主義的擔心。第三，農民養老保險收益由個人帳戶的累計所決定，而不是補貼所決定。因此，政府僅承擔有限的責任，而無需擔心有很重的經濟負擔。
The present approaches to rural pension insurance are in line with the conditions in countryside and they address issues of farmers’ concern. At the same time, those approaches are also in accordance with the principle that government, the collective and individuals should each make his own due contribution. The present model has three advantages. First, farmers themselves are responsible for the lion’s share of the contributions, while the collective only pays a supplementary amount. This is in line with the reality that rural areas are at different stages of economic growth and see unsteady increase of farmers’ income. Second, with personal account model，the fund has clearly-defined ownership structure, this eased farmers past concern of equalitarianism. Third, the pension benefits farmers get are decided by the cumulative amount of their individual account instead of affixed rate. Therefore, governments only bear limited responsibilities, and they won’t have a heavy financial burden.
