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编者指引作为现阶段社会保障体系建设和完善的重点,扩大基本养老保险的覆盖面和完善基本养老保险制度建设在《社保法》中得到了充分体现,然而建立和完善多层次多支柱的养老保障体系、做大社会保障性资金的总量规模、推进社保可持续发展并未得到进一步体现。从发展的角度看,考虑到人民群众不断增长的社会保障需求,客观需要建立多支柱的养老保障体系,需要发挥企业年金、商业养老保险的作用,以适应不同经济条件的企业的需要,满足职工不同层次、不同水准的多种保障需求的需要,使养老保险制度更好地起到保障生活和安定社会的作用。
As guidance for the construction and improvement of the social security system at the present stage, expanding the coverage of basic endowment insurance and improving the system of basic endowment insurance have been fully reflected in the Social Security Law. However, the establishment and improvement of a multi-pillar and multi-pillar pension insurance system , Making the total amount of social security funds larger and promoting the sustainable development of social security has not been further reflected. From a development perspective, taking into account the growing social security needs of the masses, it is imperative to establish a multi-pillar pension security system that needs to play the role of enterprise annuity and commercial endowment insurance so as to meet the needs of enterprises with different economic conditions and meet the needs of workers Different levels and different levels of the needs of a variety of security needs, the pension insurance system to better play a guarantee of life and the role of social stability.