我国面临着未富先老的现实威胁。目前,我国养老事业存在的主要问题是:城镇企业职工养老保险中个人账户空帐运营,未来养老金收支缺口巨大;事业单位的养老保险不能有效推进;目前主要的养老方式不能适应时代的需要等。本文探讨了解决这些问题的可能性方案。 My country is facing the real threat of getting old before becoming wealthy. At present, the main problems existing in the pension business in China are as follows: Individual accounts in urban enterprise workers’ pension insurance have a huge gap in the income and expenditure in the future; pension insurance in public institutions can not be effectively promoted; and at present, the primary pension system can not meet the needs of the times Wait. This article explores the possibilities for solving these problems.