我国养老保险制度的存在的问题及对策

摘    要
养老保险是我国社会保障制度的重要组成部分,健全和完善养老保险制度是全面建设小康社会的根本要求。但我国养老保险制度在既面临着人口老龄化、支出需要大幅度增加的现实，又存在着缺乏政府的财源支持、企业和个人缴费不堪重负的现状下仍存在很多缺陷。所以尽快实行养老保险的社会化的改革，对于建立社会主义市场经济体制，促进改革、发展和社会稳定仍具有十分重要的意义。在此分别结合我国城镇和农村养老保险的实际情况，针对我国社会养老保险在实践中出现的一些问题，查找出现问题的原因，借鉴国外的一些经过实践而逐渐成熟的经验，提出健全我国社会保障法的措施,及养老保险基金管理的新办法,来完善我国养老保险制度,使其更好的为退休人员提供保障。

关键词：保险；养老保险制度；个人账户；养老保险基金
Abstract
  Pension Insurance is an important part of social security system of China. Improving and perfecting the Pension Insurance System is a fundamental requirement to comprehensively build a well-off society. However, the Pension Insurance System of China is not only facing the ageing of the population and the increasing of expenditure, but also facing the lack of government financial support and the heavy burden of tax on the enterprises and individuals. Worse still, under the current situation are there still many deficiencies. Therefore, socially reforming the Pension Insurance as soon as possible plays a significant role to establish the socialist market economy structure, promote reform, and develop and stabilize the society. In terms of the actual situation of China's urban and rural endowment insurance of the actual situation and the problems occurring in the practice of Old-age Insurance, this paper puts forward measures to perfect the social security law and new way to manage the old-age insurance premiums so that the old-age insurance system can be perfected quickly with reference to foreign mature experience. Consequently, all the retired people can receive better security.
 
Keywords：Insurance; Old-age insurance system; Individual account; Old-age insurance fund

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