一研究背景养老保障是我国经济发展存在的一个现实问题。由于养老保障不健全所引起的社会公平、社会贫困、劳动生产要素分配效率低下等问题,严重影响了我国经济的稳定与可持续发展。我国目前80%以上的劳动者没有基本养老保险,城乡困难群体没有制度化的社会救助,1.4亿老年人缺乏 A research background Old-age security is a real problem in China’s economic development. Problems such as social fairness, social poverty and inefficient distribution of labor and production factors caused by the unsound pension security have seriously affected China’s economic stability and sustainable development. At present, more than 80% of the workers in our country have no basic old-age insurance, and the urban and rural disadvantaged groups have no institutionalized social assistance and 140 million of the elderly are lacking