中国目前面临着日益严重的老年保障问题。一方面,中国实行独生子女政策加剧了人口老龄化步伐,中国目前的人口预期寿命已接近发达国家水平,使中国面临“未富先老”的压力和挑战;另一方面,中国经济体制的转轨,使原有的养老保障制度已不适应,需要按照市场经济体制的要求建立新的养老保险制度。养老保险制度是社会保障制度的核心内容,构成社会主义市场经济体制的重要组成部分,其制度本身需要规范化,政府和财政对基本养老保险领域的介入和管理也必须规范化。 China is now facing a growing problem of old-age security. On the one hand, the implementation of the one-child policy in China has exacerbated the pace of population aging. At present, China’s population life expectancy is close to that of developed countries, putting China under the pressure and challenges of “getting rich before becoming rich.” On the other hand, the transition of China’s economic system So that the original old-age security system has become inadequate and a new old-age insurance system needs to be established in accordance with the requirements of the market economic system. The pension insurance system is the core content of the social security system and constitutes an important part of the socialist market economic system. The system itself needs to be standardized. The intervention and management by the government and finance on the basic pension insurance field must also be standardized.