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十一届三中全会以来,我国对养老保险制度进行了一系列的改革,目前改革的大体现状是“初步建立了城镇职工基本养老保险制度。推行的是以社会统筹和个人账户相结合为原则的改革方针,并逐步形成基本保险、企业补充保险和个人储蓄保险相结合的多层次养老保险制度。但存在保障内容有限、覆盖面狭窄、保障水平低等问题,随着经济体制改革的不断深化和发展,我们必须不断改革和完善现有的社会保障制度,建立实施范围普及、基本保障统一、基金渠道多元、保障结构多层、保障形式多样、个人储存和社会统筹相结合、
Since the Third Plenary Session of the 11th Central Committee of the Communist Party of China, China has carried out a series of reforms on the pension insurance system. The general status quo of the current reform is "the initial establishment of a basic old-age insurance system for urban workers, which is based on the principle of combining social pooling with individual accounts , And gradually formed a multi-level pension insurance system combining basic insurance, supplementary insurance and personal savings insurance, but with limited coverage, narrow coverage and low level of protection, with the continuous deepening of economic reform and We must constantly reform and improve the existing social security system, establish a system of universal coverage, basic guarantee and unity, diversified fund channels, multi-layered guarantee structures, diversified forms of protection, a combination of personal storage and social pooling,