发达国家的实践表明,社会保障是解决各种社会问题的障办法。当前我国农村养老保障的主要方式仍然是家庭保不可替代的重要工具,构建和谐社会在很大程度上需要依靠障,只是在少数地区建立了个人账户积累式的养老保险,农社会保障制度。《中共中央关于制定国民经济和社会发展第村养 The practice in developed countries shows that social security is a barrier to solving various social problems. At present, the main method of rural endowment insurance in our country is still an important tool that family insurance can not replace. Building a harmonious society depends on the obstacle to a large extent. Only in a few areas, the system of accumulating individual pension insurance and agricultural social security system has been set up. "The CPC Central Committee on the formulation of national economy and social development of the first village