一、我国养老保险制度改革的必要性１．人口老龄化促使养老保险制度改革我国自新中国成立之后，由于医疗保健事业的发展和人民生活水平的改善，人的寿命不断延长，死亡率不断下降，加之７０年代起又普遍推行计划生育政策，从而使人口出生率和死亡率降低，导致人口日趋老龄化。 First, the need for the reform of China’s pension system 1. Population aging leads to reform of pension insurance system in our country After the founding of China, due to the development of health care and the improvement of people’s living standard, the life expectancy of people has been continuously prolonged and the mortality rate has been declining. In addition, since the 1970s, the family planning policy has been widely implemented, Resulting in a reduction in the birth and death rate of the population, leading to an aging population.