中国养老保险之困在于,不合理的国民收入分配格局造成个人养老准备严重不足,而政府主导的养老保险又同时面临内生性和外源性的双重困境。养老保险改革的重心是提升个人、家庭和企业的自我保障能力。政府提供的养老保障也应该建立在个人和家庭的自我保障基础之上。 The plight of China’s pension insurance lies in the unreasonable distribution pattern of national income that results in a serious shortage of individual pension plans. And the government-led pension insurance is also facing both endogenous and exogenous dilemmas. The focus of pension reform is to enhance the self-protection capacity of individuals, families and enterprises. The pension provided by the government should also be based on the self-protection of individuals and families.