养老问题是长期困扰许多国家的一个社会性难题，也是我国构建社会主义和谐社会需要解决好的一个现实问题。
与发达国家相比，我国的老龄化进程具有基数大、增幅快、高龄化、比例高、地域差异明显等特征，原有的现收现付制已经无法提供足够的养老金支付，使养老问题变得十分紧迫而严峻，给正处于转型时期的社会保障体系带来严峻的挑战。根据20世纪80年代以来社会保障制度改革的国际经验，建立多支柱的社会保障体系，引入商业保险，充分运用商业保险的运行机制、精算技术、投资渠道等，为解决传统养老制度的财务危机，保证社会保障体系的顺利过渡创造了条件。
关键词：社会保险；商业保险；融合发展；社会保障体系
Abstract
Before the Opening and Reform, the retirement insurance policy of our country adopted Pay-As-You-Go pattern。Due to the deepening reform of the state-run enterprises and the aging of the population, the government comes to realize that the single Pay-As-You-Go pattern cannot facilitate the economic growth any more. On the contrary, the national economy will be confronted with the increasing burden of the long-term payment crisis. Since 1980s,many other countries has carried out a series of reforms on social security system to solve the problems aroused by the aging of population and the disability to afford the age pension, according to their own condition. Because the implanting of the commercial insurance mechanism has successfully settled the traditional problem of fund shortage, the privatization of social insurance and the multi-layered social security system have become the popular trend of the reform for most countries.
Keywords：government procurement; public finance; government procurement system
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