随着我国人口老龄化加速,扩大社会养老保险制度覆盖面倍受关注。城镇化进程也使我国社会结构发生变化,本文探讨应该为不同人群建立统一的社会养老保险制度,还是建立多元化的保险制度。通过梳理现有制度模式,及人群中存在的异质性,指出应该建立多元化的养老保险制度。 With the acceleration of population aging in our country, the coverage of expanding social pension insurance system has drawn much attention. The process of urbanization has also changed the social structure of our country. This article explores whether a unified social pension insurance system should be established for different groups of people or whether a diversified insurance system should be established. By combing the existing institutional patterns and the heterogeneity existing in the population, it is pointed out that a diversified pension insurance system should be established.