养老保险作为社会保障制度的重要组成部分,体现着国家对社会经济生活的干预,其最重要的目的在于调节市场经济发展可能给老年人带来晚年的生活保障。其实,保险制度本身是与市场经济的发展密不可分的。由于社会保障属于一种机制,既从属与政府,也服务于市场。因此保障制度本身也存在着一定的风险。 As an important component of the social security system, pension insurance embodies the state’s intervention in social and economic life. Its most important purpose is to regulate the economic development in the market that may bring old age life security to the elderly. In fact, the insurance system itself is inseparable from the development of a market economy. Since social security is a mechanism, both subordinate and the government, but also serve the market. Therefore, the guarantee system itself also has some risks.