养老保险的改革目标是建立清晰的三个层次养老保险体系:第一层次是政府举办的覆盖全体职工的基本养老保险;第二层次是企业补充养老保险;第三层次是个人储蓄性养老保险,由商业保险公司经办,职工个人自愿参加。职工基本养老保险是以立法的形式强制实行的,企业补充养老保险则以立法的形式半强制实行,商业养老保险完全根据个人的意愿自愿参加。(一)职工基本养老保险按照《浙江省职工养老保险条例》规定,职工基本养老保险实行社会统 The reform goal of pension insurance is to establish a clear three-tier pension insurance system: the first level is the government’s basic endowment insurance coverage for all employees; the second level is the enterprise supplementary pension insurance; the third level is the personal savings pension insurance, By the commercial insurance company, staff volunteered to participate. The basic old-age insurance for employees is enforced in the form of legislation. Supplementary pension insurance for enterprises is semi-mandatory in the form of legislation. Commercial endowment insurance voluntarily participates solely in accordance with the individual’s wishes. (I) Basic pension insurance for employees According to the provisions of the “Regulations on Pension Insurance for Zhejiang Province Workers and Staff members”, the basic old-age insurance for staff and workers implements the social system