二十世纪九十年代以来,中国加快建立以个人账户和社会统筹相结合的城镇职工基本养老保险为主体的社会养老保障体系,虽然其制度一直在改革,但是,在制度方面,人口方面,资金方面,管理体制方面和覆盖面方面仍然存在一定的缺陷,仍需要进一步的完善。胡锦涛在十七大报告中指出“保障人民基本生活,达到老有所养,老有所依。”强调了基本养老保险的重要性。本文主要介绍了基本养老保险的概念和特点,基本养老保险现行改革存在的问题以及针对这种问题提出的对策。 Since the 1990s, China has expeditiously established a social old-age security system based on the basic old-age insurance for urban workers that combines individual accounts with social pooling. Although its system has been undergoing reforms, its system, population, In terms of management system and coverage, there are still some shortcomings that still need to be further improved. Hu Jintao pointed out in his report to the 17th National Congress that “ensuring the basic livelihood of the people, reaching the age-old support and the elderly depends on them.” Emphasized the importance of basic endowment insurance. This article mainly introduces the concept and characteristics of the basic pension insurance, the existing problems in the current pension reform, and the countermeasures that are put forward to solve this problem.