本文提出,根据城乡居民不同的社会保障需求和经济承受能力,必须对城乡居民的社会保障做出制度性安排,建立健全广覆盖、多层次、便参保、易转移的社会保险制度和保障体系,建立以社会保险为主体、以社会救助为基础、以商业保险为补充的社会保障体系,实现社会保障制度全覆盖。 This paper argues that according to the different needs of social security and affordability of urban and rural residents, it is necessary to make institutional arrangements for the social security of urban and rural residents, establish and improve a social insurance system and guarantee system covering a wide range of coverage, multi-level, participating and relocating , Set up a social security system with social insurance as the main body, social assistance as the basis, and commercial insurance as the supplement, so as to achieve full coverage of the social security system.