养老保险制度在各个国家都备受重视,但由于各国的政治、经济背景不尽相同,所以养老保险制度也存在差异,一般分为传统型、国家统筹型和强制储蓄型等三种类型。传统型:以美国等发达市场经济国家为代表。个人领取养老金的权利与缴费义务联系在一起。除基本养老金外,国家还通过税收、利息等方面的优惠政策,鼓励企业实行补充养老保险,基本上实现了多层次的养老保险制度。 The pension insurance system has received much attention in all countries. However, due to the different political and economic backgrounds in different countries, the pension insurance system is also divided into three types: traditional, national and compulsory savings. Traditional: The United States and other developed market economy as the representative. The right of an individual to receive a pension is linked to the obligation to pay. In addition to basic pensions, the state encourages enterprises to implement supplementary pension insurance through preferential policies in respect of taxation and interest, and basically implements a multi-level pension insurance system.