完善我国养老保险制度的若干问题

On Serial Issues of Completing the Endowment Insurance System of China

进入 2 1世纪 ,我国养老保险面临严峻的挑战。不断出现的城镇养老基金缺口大、筹资难等问题 ,已使现有的养老保险制度力不从心 ;而农村传统的“家庭养老与土地保障”模式与现实要求相距甚远。构建符合国情和深得人心的新的养老保险制度 ,是目前社会保障亟待解决的核心问题。城镇企业亟需完善现有的养老保险制度 ,而农村则宜单独立法 ,建立“家庭养老、土地保障与社会保险相结合”的新制度。

As stepping into the 21st century, the endowment insurance of China is faced with more severe challenge. The continuous problems such as hard to collect funds, shortage for funds and so on have already made the current endowment insurance overloaded. Meanwhile, the traditional mode 'provided by family and lands' in countryside is far from the need of reality. Constructing a new endowment insurance system, which is in accordance with china situation and deeply desired by national people, is the core problem that must be solved for the social security. Enterprises in town need completing the current endowment badly while countryside needs solo laws to build a new endowment system, which is 'provided by family, lands and the social insurance'.