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中国社会保障解决养老资金的现状是：职工基本养老保险金由国家、用人单位、职工个人三方面合理负担，实行基本养老保险、企业补充养老保险、个人储蓄养老保险相结合的制度。这一做法已取得很大成绩，但因养老资金短缺而发生拖欠仍是一个老大难问题。中国急需新创“子女养老社
The status quo of pension funds for social security in China is as follows: The basic pension insurance for workers and staff members is reasonably borne by the state, employing units and individual employees, and implements the system of combining basic pension insurance, enterprise supplementary pension insurance and personal savings pension insurance. Great progress has been made in this approach. However, arrears due to the shortage of pension funds are still a persistent problem. China is in urgent need of creating a new "childcare society