养老模式是由特定时期的社会经济条件决定的。社会变迁必然要求相应的养老手段。在传统的农业社会,家庭养老具有必然性和可能性;在农业社会向工业社会过渡的时期和工业化社会,家庭养老面临着多种挑战。商业养老保险和现代社会养老保障制度就是适应这种社会变迁而产生和逐步完善的。 Pension patterns are determined by the socio-economic conditions of a given period. Social change will inevitably require the appropriate means of pension. In the traditional agricultural society, family retirement has the necessity and possibility. In the transition from agrarian society to industrial society and in the industrialized society, the family pension is faced with many challenges. Commercial pension insurance and modern social security system is to adapt to this social change and gradually produced.