当代中国老龄群体已经出现复杂的社会分层,现行养老保障制度很难正确调节多元的养老需求和有限的养老能力之间的矛盾。在社会保障资源有限的条件下,解决拥有不同经济条件和保障能力的老年群体问题,必须依据不同层级的老 The current aging population in China has experienced complicated social stratification. It is difficult for the existing pension security system to properly regulate the contradictions between the multiple pension needs and the limited pension capacity. Under the conditions of limited social security resources, the solution to the problem of the elderly population with different economic conditions and protection capabilities must be based on the different levels of old