据报道,1.2亿的中国流动农民工,参加养老保险的总体参保率仅为15%左右,而这些为数不多的参保者,也正纷纷退保。现有的“倒金字塔”型家庭结构,使传统的家庭养老方式面临越来越大的困难,而依靠土地养老已不现实,建立社会养老保障体系,让农民工“老有所养”,将是必然选择。在“十 It is reported that 120 million migrant workers in China, participating in the pension insurance overall insured rate of only about 15%, and these few members of the insured, are also surrender. The existing “inverted pyramid” type of family structure makes the traditional home-based pension system facing more and more difficulties. However, relying on land-based pension has become unrealistic and a social old-age security system has been set up so that migrant workers can be “ Is the inevitable choice. In the ”ten