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养老保险是社会保险的一种,是社会保障制度的重要组成部分。通过建立养老保险制度,给予老年人基本生活保障,使得老年人老有所依、老有所养。从资本角度看,养老保险可以集聚大笔资金,这些资金可以流入市场,进行投资运作来促进经济的发展。然而,我国现行的养老保险却存在着这样那样的问题,本文针对我国现行养老保险所存在问题,产生这些问题的原因以及如何解决这些问题做出简单探讨。
Pension insurance is a form of social insurance and an important part of the social security system. By establishing an endowment insurance system, the basic living allowance for the elderly will be given, so that the elderly will always be dependent on their old age. From a capital perspective, pension insurance can gather large sums of money that can flow into markets and invest in operations to promote economic development. However, the current pension insurance in our country still exists such a kind of problem. In this paper, a simple discussion is made about the existing problems of the current pension insurance in our country, the causes of these problems and how to solve them.