面对人口老龄化、家庭结构小型化、孝文化缺失、养老保险覆盖面窄和保障水平低等问题,单凭社会养老保险制度难以有效解决养老问题。基于这些背景,本文构想出一种新型的家庭养老模式,通过建立家庭账户使家庭养老制度化,从而有效地发挥家庭养老保险的作用。同时,这种家庭养老模式的运行还需要政策环境的配合。 Faced with the problems of population aging, miniaturization of family structure, lack of filial piety culture, narrow coverage of old-age insurance and low level of protection, it is difficult to effectively solve the problem of providing for the aged by the social endowment insurance system alone. Based on these backgrounds, this paper proposes a new model of family pension, institutionalizing family pension through the establishment of family accounts, so as to effectively play the role of family endowment insurance. At the same time, the operation of the family pension model also needs the cooperation of the policy environment.