农民工是我国城乡分化出的一个特殊群体,是工业化、城市化及城乡二元结构背景下的产物。他们对经济发展做出了重大贡献,然而,其养老需求却没有得到切实保障,其养老保险所需的制度性设计并不完善,诸如“一低一高”现象,统筹层次低、覆盖面窄、跨区域接续转移难等问题。文章着眼于当前农民工群体的现状及结构性特点、结合其养老制度中存在的一些主要问题,对其养老所需的制度设计提出一些设想,从制度设计的原则、制度设计应解决的问题以及对全国性统筹的农民工养老保险的设想等方面,提出一些建议和方法,希望对解决农民工养老问题有所裨益。 Migrant workers are a special group of urban and rural areas in China. They are the products of industrialization, urbanization and the dual structure of urban and rural areas. They have made significant contributions to economic development. However, their pension needs have not been effectively guaranteed. Their institutional design for endowment insurance is not perfect, such as the phenomenon of “one low and one high”, low co-ordination level and coverage Narrow, cross-regional transfer and other difficult to continue the problem. This paper focuses on the status quo and structural characteristics of the current migrant workers groups, with some of the major problems existing in the pension system, some ideas on the system design for their retirement pension, from the principles of system design, system design should be to solve the problem and Some proposals and methods are put forward in the enactment of nationally coordinated plan for endowment insurance for migrant workers, hoping to help solve the problem of migrant workers’ pension.