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　　然而，经过半年的历练，陈乐认为，回乡创业并不适合自己这种既缺乏资金，又缺乏种植知识和技术的“小白”。这与前述研究的调查结论相吻合，报告指出，“新农人”较一般新型农业经营主体，面临更突出的土地、融资、雇工、物流、基础设施等方面的困难，还要面对家庭不理解、社会不认可、对农业不熟悉等自身问题。

chengzhenzhigongjibenyanglaobaoxianshiyige“mubiaotidaixing”zhidu，jitongguoyongrendanweiyuzhigonggerenshuangfangduoniandejiaofei，gerenzaituixiushihuodedeyanglaojinxiangdangyuzaizhishigongzideyidingbaifenbi，yibanlaijiang，ruguoyaobaozhangchengzhenzhigongtuixiuhoudeshenghuoshuipingbuxiajiang，tidailvyaodadao60%。yeyinci，chengzhenzhigongjibenyanglaobaoxianweileshixianmubiaotidailv，zaiyunxingmoshishangyoulianggetedian：yishi“qiangzhicanbao”，shehuibaoxianfayaoqiuyongrendanweiweimeigeyuangongcanbao，bingqieyouyongrendanweihezhigongshuangfangjiaofei；ershi“chabiedaiyu”，jijiaofeinianxianbutong、jiaofeijishubutong，tuixiushidaiyubutong，zhiduguli“changjiaoduode、duojiaoduode”。城(cheng)镇(zhen)职(zhi)工(gong)基(ji)本(ben)养(yang)老(lao)保(bao)险(xian)是(shi)一(yi)个(ge)“(“)目(mu)标(biao)替(ti)代(dai)型(xing)”(”)制(zhi)度(du)，(，)即(ji)通(tong)过(guo)用(yong)人(ren)单(dan)位(wei)与(yu)职(zhi)工(gong)个(ge)人(ren)双(shuang)方(fang)多(duo)年(nian)的(de)缴(jiao)费(fei)，(，)个(ge)人(ren)在(zai)退(tui)休(xiu)时(shi)获(huo)得(de)的(de)养(yang)老(lao)金(jin)相(xiang)当(dang)于(yu)在(zai)职(zhi)时(shi)工(gong)资(zi)的(de)一(yi)定(ding)百(bai)分(fen)比(bi)，(，)一(yi)般(ban)来(lai)讲(jiang)，(，)如(ru)果(guo)要(yao)保(bao)障(zhang)城(cheng)镇(zhen)职(zhi)工(gong)退(tui)休(xiu)后(hou)的(de)生(sheng)活(huo)水(shui)平(ping)不(bu)下(xia)降(jiang)，(，)替(ti)代(dai)率(lv)要(yao)达(da)到(dao)6(6)0%(%)。(。)也(ye)因(yin)此(ci)，(，)城(cheng)镇(zhen)职(zhi)工(gong)基(ji)本(ben)养(yang)老(lao)保(bao)险(xian)为(wei)了(le)实(shi)现(xian)目(mu)标(biao)替(ti)代(dai)率(lv)，(，)在(zai)运(yun)行(xing)模(mo)式(shi)上(shang)有(you)两(liang)个(ge)特(te)点(dian)：(：)一(yi)是(shi)“(“)强(qiang)制(zhi)参(can)保(bao)”(”)，(，)社(she)会(hui)保(bao)险(xian)法(fa)要(yao)求(qiu)用(yong)人(ren)单(dan)位(wei)为(wei)每(mei)个(ge)员(yuan)工(gong)参(can)保(bao)，(，)并(bing)且(qie)由(you)用(yong)人(ren)单(dan)位(wei)和(he)职(zhi)工(gong)双(shuang)方(fang)缴(jiao)费(fei)；(；)二(er)是(shi)“(“)差(cha)别(bie)待(dai)遇(yu)”(”)，(，)即(ji)缴(jiao)费(fei)年(nian)限(xian)不(bu)同(tong)、(、)缴(jiao)费(fei)基(ji)数(shu)不(bu)同(tong)，(，)退(tui)休(xiu)时(shi)待(dai)遇(yu)不(bu)同(tong)，(，)制(zhi)度(du)鼓(gu)励(li)“(“)长(chang)缴(jiao)多(duo)得(de)、(、)多(duo)缴(jiao)多(duo)得(de)”(”)。(。)