【摘要】 随着老龄化社会的到来,加快我国养老保险制度改革越来越重要。日本养老保险制度发展轨迹和我国有相似之处,其制度建设的主要做法可为我国提供借鉴。目前我国养老保险制度依然存在着政府财政投入不足、养老保险体系碎片化、补充型养老保险体系尚未建立、养老金投资受限等问题,应从加大政府财政对养老保险的投入、提高覆盖全民的基础养老保险标准、建立多层次养老保险体系、深化养老金市场化运作、促进长期护理保险制度建设等方面完善我国养老保险制度。更多还原

【Abstract】 With the arrival of an aging society,it is more and more important to accelerate the reform of China’s pension insurance system.The development track of Japan’s pension insurance system has similarities with that of China,and its main practice of system construction can provide reference for China.At present,China’s pension insurance system still has problems such as insufficient government financial investment,fragmentation of pension insurance system,non-establishment of supplementary pension insurance system,and restrictions on pension investment.Suggestions to improve China’s pension insurance are made on increasing government financial input into pension insurance,improving basic pension insurance standards for the entire population,establishing a multilevel pension insurance system,deepening the market operation of pensions,and promoting the construction of a long-term nursing insurance system.更多还原