德国是世界上第一个以比较完备的立法确立社会保障制度的国家,其起源可以追溯到19世纪末德国首相俾斯麦时期。他颁布的1889年《伤残和老年保险法》也是世界上第一部养老保险法律。养老制度:经过100多年的演变和发展,德国最终形成了强调政府、社会、雇主、个人共同担负责任、权利义务相统一的社会保险制度。目前德国的养老保险体制主要由三大支柱组成,即:法定养老保险、企业养老保险及私人养老保险。这三者所支付养老金的比例大约分别为70%、20%和10%。1997年,德国法定养老金费率为20.3%,目前仍维 Germany is the first country in the world to establish a social security system with relatively complete legislation. Its origins date back to the German Bismarck of Bismarck in the late 19th century. He enacted the 1889 Disability and Elderly Insurance Act as the first pension insurance law in the world. Pension System: After more than 100 years of evolution and development, Germany finally formed a social insurance system that emphasized that the government, society, employers and individuals should share responsibilities and rights and obligations together. At present, Germany’s pension insurance system consists of three main pillars, namely: statutory pension insurance, corporate pension insurance and private pension insurance. The pensions paid by these three are roughly 70%, 20% and 10%, respectively. In 1997, the statutory pension rate in Germany was 20.3%, which is still at the present level