通过近年来各级劳动保障部门和社会保险经办机构的努力,目前国有和集体企业及其职工基本上都已参保,而作为一种逐渐成长起来的私营企业,其参加基本养老保险成为当前养老保险工作的重点,同时也成为难点问题。近年来,各地采取积极措施,把私企扩面工作作为突破口,进行了各种有益的探索和尝试,加大工作力度,取得一定的成效,但整个私企参保率仍然偏低,扩面难度很大,就笔者所在的蚌埠市而言,截至2004年6月底,私营企业登记在册1978户,而申报参保的只有359户,私企单位参保率仅为18.1%。究其原因,主要有以下几个方面: Through the efforts of labor security departments and social insurance agencies at various levels in recent years, the state-owned and collective enterprises and their staff and workers have basically been insured. As a private-owned enterprise that has gradually grown up, its participation in basic old-age insurance has become the current The focus of pension insurance work, but also become a difficult issue. In recent years, various localities have taken active measures to expand the work of private enterprises as a breakthrough and conducted various beneficial explorations and attempts to increase their efforts and achieve certain results. However, the overall private-owned insurance coverage rate is still low and the expansion is difficult. In terms of the author’s place, Bengbu City, as of the end of June 2004, private enterprises registered in 1978, while only 359 were insured. The insured rate of private-owned enterprises was only 18.1%. The reason, mainly in the following areas: