养老保险改革十几年来,养老保险费用的收缴拨付和个人帐户的管理等,已从“单位保险”逐步走向社会保险,社会化服务的功能和水平也不断提高。然而,这还只是部分意义上的社会保险,还远不能适应社会主义市场经济发展的需要。为此,认真研究养老保险乃至整个社会保险社会化服务的思路、框架,探索实施社会化服务的新路子,为国有企业改革和逐步建立社会主义市场经济体制创造良好的外部环境,实为当务之急。 Over the past decade or so in pension insurance reform, the collection and payment of endowment insurance fees and the management of individual accounts have gradually shifted from “unit insurance” to social insurance. The functions and standards of socialized services have also been continuously improved. However, this is only part of the social insurance, far from being able to meet the needs of the development of a socialist market economy. For this reason, it is imperative to earnestly study the thinking and framework of pension insurance and social services for social insurance as a whole, and explore new ways of implementing socialized services so as to create a favorable external environment for the reform of state-owned enterprises and the gradual establishment of a socialist market economic system.