我国城市化的发展使在城市近郊出现了许多被征用了土地的农民,他们失去了原有的一项重要的养老支柱,而新的适合其特点的养老保障制度还未建立,他们面临的老年风险突现,既影响了生活水平的提高,又对城市化的发展产生了巨大的阻力。运用正式和非正式养老安排建立起有关他们的完善的养老保障体系是解决这些问题的关键。 The development of urbanization in our country has resulted in the emergence of many peasants who have been expropriated on the outskirts of the cities. They have lost their original pillars of old-age pensions and the new old-age security system for their characteristics has not yet been established. The sudden appearance of risks has not only affected the improvement of living standards but also caused tremendous resistance to the development of urbanization. The use of formal and informal pension arrangements to establish a sound old-age security system for them is the key to solving these problems.