社会保障体系是一国经济走向现代化的重要组成部分,也是现代化市场经济大厦建设的基石。社会保障基金是通过国民收入的分配与再分配所形成的以承担“社会稳定器”为职能的专用基金。由社会保险、社会救助、社会公积和民间福利性基金等项内容组成。社会保险基金存在的主要职能,是降低或消除未来不确定性对个人和家庭的伤害。 The social security system is an important part of a country’s economy going to modernization and also the cornerstone of building a modern market economy building. The social security fund is a special fund formed through the distribution and redistribution of national income in order to assume the function of “social stabilizer.” By the social insurance, social assistance, social welfare and public welfare fund and other items. The main function of the social insurance fund is to reduce or eliminate the harm to the individual and the family caused by future uncertainty.