1980年我国在职职工与退休人员的比例是13:1,2003年是3:1,预计到2020年这一比例将达到2,5:1,人口老龄化已使我国老年人的养老、医疗等问题日益突显,社会保障制度面临着养老负担过重、筹集资金难和医疗费用大等诸多挑战。我国虽已初步建立了拥有1.7亿参保职工的基本养老保险体系,但是,这一养老保障体系还不够完善,运行过程中暴露出了众多的问题。 In 1980, the ratio of working staff to retirees in our country was 13: 1 in 2003 and 3: 1 in 2003. It is estimated that this ratio will reach 2,5: 1 by 2020. The aging population has brought about the retirement and medical care of the elderly in China The issue has become increasingly prominent. The social security system faces many challenges such as over-burdening the old-age pension, difficulty in raising funds and large medical expenses. Although our country has initially established a basic old-age insurance system with 170 million insured workers, the old-age security system is still not perfect and exposed many problems during its operation.