建立健全与经济社会发展水平相适应的养老保障制度,是经济社会协调发展的必然要求,是社会和谐稳定和国家长治久安的重要保证。经过长期的改革探索与实践,并参考国际成功经验,我国确立了由基本养老保险、企业年金、个人商业养老保险共同构成的“三支柱”养老保障制度框架。 Establishing and perfecting the old-age security system that is appropriate to the level of economic and social development is an inevitable requirement of a coordinated economic and social development and an important guarantee for the harmonious and stable social order and long-term peace and stability of the country. After long-term exploration and practice of reform and with reference to international successes, China has established a “three-pillar” pension security framework consisting of basic pension insurance, enterprise annuity and personal commercial pension insurance.