中文版

城乡居保和新农保有什么？

城乡居民养老保险（简称“城乡居保”）和新型农村社会养老保险（简称“新农保”）是中国社会保障体系中的两项重要制度，旨在为广大城乡居民提供养老保障。尽管它们都是养老保险，但在实施对象、缴费方式、待遇标准等方面存在一定的差异。

城乡居保是针对城乡居民设立的一种社会保险制度，覆盖范围广泛，包括城镇非从业人员、农村居民、学生儿童等。缴费方式灵活，个人可根据自身经济状况选择不同档次的缴费标准。待遇标准相对较高，与城镇职工养老保险接轨，参保人员在达到法定退休年龄后可领取基本养老金。

新农保则是针对农村居民设立的一种养老保险制度，主要面向农村地区的居民。缴费方式较为固定，一般按照年度收入的一定比例进行缴费。待遇标准相对较低，但能够保障农村老年人的基本生活需求。新农保的实施，对于改善农村老年人的生活状况，促进城乡养老保险制度的均衡发展具有重要意义。

总体来说，城乡居保和新农保在制度设计上各有侧重，但都致力于为广大城乡居民提供养老保障。随着中国社会经济的不断发展，这两项制度也在不断完善和优化，以更好地满足人民群众的养老需求。

英文版

What Are Urban and Rural Resident Pension Insurance and New Rural Pension Insurance?

Urban and Rural Resident Pension Insurance (hereinafter referred to as "Urban and Rural Resident Pension Insurance") and New Rural Pension Insurance (hereinafter referred to as "New Rural Pension Insurance") are two important systems in China's social security system, aiming to provide pension security for urban and rural residents. Although both are pension insurance, there are some differences in implementation targets, payment methods, and benefit standards.

Urban and Rural Resident Pension Insurance is a social insurance system established for urban and rural residents, with a wide coverage including non-employed urban residents, rural residents, students, and children. The payment method is flexible, and individuals can choose different payment standards based on their economic situation. The benefit standard is relatively high, in line with the urban employee pension insurance, and participants can receive basic pension after reaching the legal retirement age.

New Rural Pension Insurance, on the other hand, is a pension insurance system established specifically for rural residents, mainly targeting residents in rural areas. The payment method is relatively fixed, generally based on a certain proportion of annual income. The benefit standard is relatively low but can meet the basic living needs of rural elderly people. The implementation of New Rural Pension Insurance is of great significance for improving the living conditions of rural elderly people and promoting the balanced development of urban and rural pension insurance systems.

Overall, Urban and Rural Resident Pension Insurance and New Rural Pension Insurance have different focuses in their institutional design but are both committed to providing pension security for urban and rural residents. With the continuous development of China's social economy, these two systems are also constantly improving and optimizing to better meet the pension needs of the people.