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养老保险是社会保险制度中最核心的组成部分,在保障退休人员的生活水平、促进经济发展和维护社会安定上起着至关重要的作用,被视为社会的稳定器。我国是一个人口大国,人口老龄化问题越来越突出,同时我国现行的养老保险制度又存在很多问题,因此在借鉴美国和德国的相关制度的基础上,探索完善我国的养老保险制度的方法具有积极意义。
Pension insurance is the core component of the social insurance system. It plays a crucial role in ensuring the living standards of retirees, promoting economic development and maintaining social stability. It is regarded as a social stabilizer. Our country is a populous country, the problem of population aging is getting more and more prominent. At the same time, there are still many problems in the current pension insurance system in our country. Therefore, on the basis of drawing lessons from the relevant systems of the United States and Germany, the method of exploring and perfecting our country’s pension insurance system has Positive meaning