社会保险制度是多层次社会保障体系中的第二支柱,是社会保障制度的重要部分,其根本特征是权利与义务相对应、公平与效率相统一。我国社会保险制度由养老、医疗、失业、工伤、生育五个险种构成,目前各项社会保险的制度框架已基本确立,但改革和完善的任务依然艰巨。根据《中共中央关于深化改革若干重大问 The social insurance system is the second pillar of the multi-level social security system and an important part of the social security system. Its basic characteristic is that the rights and obligations correspond to one another, and the fairness and efficiency are unified. The social insurance system in our country consists of five types of insurance such as endowment insurance, medical treatment, unemployment, work injury and childbirth. At present, the institutional framework of various social insurances has basically been established, but the task of reform and perfection is still arduous. According to "Several Important Questions about Deepening Reform of the CPC Central Committee