中国人民银行西安分行刘胜军在《经济师》2012年第3期撰文提出,当前,我国虽然初步建立了多层次的养老保险体系框架,并在提高制度效率和促进公平、保障社会平稳运行与防范老年贫穷等方面发挥了一定的作用。但是,我国养老保险体系仍然存在诸多问题。一是实际覆盖面有 Liu Shengjun, Xi’an Branch of the People’s Bank of China In “Economist” 2012 the third period the author argues that although China has initially established a multi-level pension insurance system framework and is improving the efficiency of the system and promoting fairness to ensure social smooth operation and prevent the elderly Poverty and other aspects have played a role. However, there are still many problems in China’s pension insurance system. First, the actual coverage there