社会保障制度是工业化和市场经济的产物。依据其发展演变的基本规律和要求 ,我国现行社会保障的改革与完善首先要使社会保障目标的选择和社会保障水平的高低与现实社会经济发展相适应 ;其次 ,要尽可能建立协调发展的社会保障体系 ,包括社会保障子系统之间及子系统内部各项目之间的协调 ;最后 ,要明确我国现代社会保障制度建立与完善的关键是以国情出发 ,在目前坚持低层次的保障型而非福利型模式 ,走社会保障与家庭保障相结合之路 ,建立城乡有别的二元社会保障制度 The social security system is a product of industrialization and market economy. According to the basic rules and requirements of its development and evolution, the reform and perfection of the current social security in our country must firstly make the choice of social security objectives and the level of social security compatible with the actual socio-economic development. Secondly, we should try to establish a coordinated society as much as possible Finally, it is necessary to make clear that the key to establishing and perfecting the modern social security system in our country is based on the national conditions. At present, we should insist on the low-level protection instead of the non- Welfare model, taking the combination of social security and family protection, the establishment of a separate urban and rural dual social security system