摘要:随着农村社会主义市场经济体制的建立与完善，农村工业化进程的不断加深，农村现有的养老保障制度暴露出越来越多的问题。一是养老模式多样，但各自的功能逐渐弱化，二是难以制定统一的投保标准，三是农民自我养老意识不够，四是养老保险基金管理分散，保值、增值能力差，五是养老制度持续性差，政策执行效果不佳。本文从国外模式分析借鉴宝贵经验，同时结合我国的具体国情提出几点对策建议：探索以社会保险为主导，家庭保障为基础，商业保险为补充的、与东、中、西部地区经济发展相适应的、满足农民需求多样性的内容丰富的、具有完善的法律体系和多方位监督体系的、基金来源多元化、保值增值多渠道的多层次养老保障体系。

[关键词]农村；养老保障；多层次

Abstract:With the development of socialist market economy and industrialization, more and more problems are exposed from the rural old-age security. First, the mode of old-age security is diverse, but the function weakens gradually. Second, hardly establish the insure standard united . Third ,the peasants′consciousness of old-age security by one′s own is not enough. Fourth, the management of the endowment insurance fund is dispersion, the ability of keeping a value and increasing in value is lower. Fifthly, rural old-age security keeps on badly, policy performance ineffective. This essay draws lessons from foreign mode of precious experience, combining our country concrete state of the nation in the meantime, putting forward some suggestion: establish the multi-tiered rural old-age security that take social insurance as dominant, family security is foundation, business insurance for complement and the economic development of region in the east、middle、west to went with should, and satisfy the need which is diverse by peasant , contents abundant, and have perfect law system and in many ways the direct system of, fund source in many ways、protect a value、increase in value many outlet.

[Key words] rural ; old-age security ; multi-tiered