目前我国已经进入老龄化社会,但作为一个发展中大国,由于社会、历史、经济等原因,我国的养老保险还存在多种不合理的因素,研究和解决我国养老保险的问题是关系到社会安定、人民安康的大问题,本文就我国人口老龄化的特点、养老保险现状及存在的问题进行了分析,并有针对性地提出一些可操作的建议。 At present, our country has entered an aging society, but as a large developing country, due to social, historical and economic reasons, there are still many unreasonable factors in our country’s endowment insurance. Studying and solving the problem of our country’s endowment insurance is related to social stability , The people’s well-being, this paper analyzes the characteristics of China’s population aging, the status quo of pension insurance and existing problems, and put forward some operational recommendations targeted.