从上世纪末,农民工养老保险问题就开始受到政府和社会的关注,至今已经设计出多种制度模式。各种制度模式各有其优缺点,都尚未成熟。由于农民工养老保险关系转移接续困难、保险金额偏高等原因,造成了农民工养老保险参保率低、退保率高的现象。本文在具体分析该制度存在问题的基础上,提出了解决问题的对策。 Since the end of last century, the problem of pension insurance for migrant workers began to receive the attention of the government and society. So far, a variety of institutional models have been devised. Various institutional models have their own advantages and disadvantages, are not yet mature. As migrant workers continue to transfer the relationship between the endowment insurance difficulties, high insurance premiums and other reasons, resulting in migrant workers endowment insurance insured rate is low, surrender rate is high. Based on the concrete analysis of the existing problems in the system, this article puts forward the countermeasures to solve the problems.