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社会养老保险是我国进入老龄社会后将面临的最严重的社会问题之一。我国原有的养老保险基金筹集的现收现付模式已不能维持老龄社会的养老保险基金的收支平衡，必须从现在起改为部分积累式的筹资模式。平均养老金应保持在职工平均工资的一定比例下，实现养老金收支平衡问题
Social endowment insurance is one of the most serious social problems that our country faces after it enters the aging society. The pay-as-you-go model of raising the old pension fund in our country can no longer maintain the balance of payments of the old-age insurance fund in the aging society and must be changed to a partial accumulation-type financing model from now on. The average pension should be maintained at a certain percentage of the average wage of employees to achieve the issue of pension balance