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中文摘要：
城镇基本养老保险制度改革和各地新型农村养老保险试点的实践经验以及基金积累制个人账户制度的特点业已证明，我国新型农村社会养老保险制度应采取基金积累制个人账户模式作为主导模式。本文运用精算方法，构建了新型农村社会养老保险个人账户精算模型，测算出几种不同利率和投资收益率组合下各参保年龄的趸缴和年缴纯保费；通过分析个人账户养老金收入替代率的敏感性，找出替代率的影响因素，研究了个人账户待遇给付方案，据此提出政策建议。
英文摘要：
Funded fully-individual account can be the major model of the New Rural Endowment Insurance System（NiSEIS） after considering the reform experiences of the pension insurance system in China. Based on the Actuarial theory, this thesis has put forward an actuarial model of the individual account of the NREIS, calculated the premium under various combinations of the interest rates and the rate of return on investment analyzed the sensitivity of the substitute rate of the individual account, found the factors which impact on the substitute rate. And we study some different benefit given programmes and several suggestions.
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