我国的城镇社会养老保险制度,自1991年正式启动改革以来,经过二十年的不断探索和完善,目前已基本建立起适应社会主义市场经济体制要求,资金来源多渠道、保障方式多层次、社会统筹和个人帐户相结合、管理服务社会化的养老保险体系。城镇社会养老保险制度改革的启动20世纪80年代后,随着经济体制改革的不断深入,计划经济时期建立的“国家保障模式”已越来越不适应市场 Since the reform was officially launched in 1991, after two decades of continuous exploration and improvement, the social pension insurance system in our country has now basically established a system that meets the requirements of a socialist market economic system, has multiple sources of funding sources, has multiple levels of protection, Co-ordination and personal accounts combined to manage the social service of pension insurance system. Starting of the Reform of Urban Social Old-age Insurance System Since the 1980s, with the continuous deepening of economic system reform, the “national security model” established in the planned economy has become increasingly unsuitable for the market