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《社会保险法》坚持广覆盖、保基本、多层次、可持续的社会保险基本方针,将城乡各类用人单位和居民都纳入基本养老保险的适用范围,将新型农村社会养老保险制度和城镇居民社会养老保险制度正式提出,勾画了全民养老的制度框架。但由于各种历史和现实因素的影响,当前养老保险制度改革依然面临诸多挑战,克服这些困难和挑战,依然需要国家层面的制度设计,并统筹推进。
The Social Insurance Law upholds the basic principle of broad coverage, guaranteeing basic, multi-level and sustainable social insurance and includes all types of employers and residents in urban and rural areas into the scope of the basic old-age insurance. The new rural social pension insurance system and urban residents’ society The pension insurance system was formally put forward, setting out the institutional framework for universal pension. However, due to various historical and realistic factors, the current reform of the pension insurance system still faces many challenges. To overcome these difficulties and challenges, system design at the national level is still needed and co-ordinated.