从现实条件来看,我国养老保障制度运行条件已经相当严峻。前有人口老龄化挑战,后有巨额历史债务纠缠;上有传统家庭保障功能弱化,下有就业方式多元化。从制度选择的角度来讲,应该从上述现实条件出发,科学合理地明确目标,把当前的紧迫问题和长远的重大问题结合起来统筹解决,分阶段稳步有序地推进我国养老保障制度建设。 Judging from realistic conditions, the conditions for the operation of China’s pension system have been quite harsh. Before the challenges of population aging, there are huge amounts of historical debt entangled; there is a weakening of the traditional family support functions, there are a variety of employment under way. From the perspective of institutional choice, we should start from the above realistic conditions, scientifically and rationally define our goals, integrate current urgent issues with long-term major issues in an integrated manner, and steadily and orderly promote the construction of China’s endowment insurance system in stages.