改革开放以来,我国已经成功地启动了社会保障制度改革,社保体系已具雏形。但是占人口很大比例的灵活就业人员基本还被排除在社会养老保险体制之外,灵活就业人员养老问题日益严重。结合我国国情,探讨灵活就业人员的养老保险问题,对建立具有中国特色的社会保障体系具有重要的理论意义和现实意义。灵活就业人员群体的分化对灵活就业人员社会养老保险制度产生了很大的影响。以资产为本的社会政策理念有可能成为破解我国目前灵活就业人员养老保险工作困局的重要思路。 Since the reform and opening up, China has successfully initiated the reform of the social security system, and the system of social security has taken shape. However, the flexible employed population, which accounts for a large proportion of the population, has basically been excluded from the social pension insurance system. The issue of pension for the flexible employed people is getting worse day by day. Considering the national conditions of our country, it is of great theoretical and practical significance to explore the issue of endowment insurance for flexible employed people in establishing a social security system with Chinese characteristics. The flexible employment groups have had a great impact on the social pension insurance system for flexible employees. The concept of asset-based social policy may become an important way to crack the plight of pension insurance in China’s current flexible employment.