我国的社会保险制度经过十几年的改革,逐步建立起了金融基本保险、补充保险和商业保险为一体的社会保险制度,其体系与框架业已基本确立。然而由于未能完全摆脱计划经济体制下“大政府、小社会”的思想,仍然存在统包统揽的做法,忽视了保险的多层次特性及政府只管基本保险的原则,目前仍然呈现管不好、管下了的复杂局面,这无疑还在制约和影响着社会保险事业的发展。一是基本养老保险基金出现危机。部分地区,特别是中西部欠发达地区,多已出现基金告罄的严峻形势。二是管得 After more than ten years of reform, China’s social insurance system has gradually established a social insurance system integrating financial basic insurance, supplementary insurance and commercial insurance. Its system and framework have been basically established. However, due to the failure to completely get rid of the idea of ​​“big government and small society” under the planned economy, there still exist the principle of reunifying the entire government, neglecting the multi-level nature of insurance and the government’s principle of basic insurance, , Under the complex situation of the tube, which is undoubtedly still restricting and affecting the development of social insurance. First, the basic pension fund crisis. In some areas, especially in the underdeveloped central and western regions, there have been many serious cases of running out of funds. Second, control