(1)保障基本生活基本养老保险的目的是对劳动者退出劳动领域后的基本生活予以保障。这一原则更多强调社会公平, 有利于低收入阶层。一般而言,低收入人群基本养老金替代率(指养老金相当于在职时工资收入的比例) 较高,而高收入人群的替代率则相对较低。劳动者还可以通过参加补充养老保险(企业年金)和个人储蓄 (1) Guarantee of Basic Life The purpose of basic endowment insurance is to protect laborers’ basic life after they have withdrawn from the labor field. This principle places more emphasis on social equity and is conducive to low-income groups. In general, the basic pension replacement rate for low-income people (referring to pensions as a percentage of working-hour wage income) is high, while the replacement rates for high-income people are relatively low. Workers can also participate in supplementary pension insurance (enterprise annuity) and personal savings