1.什么是养老保险?养老保险是社会保障制度的重要组成部分,是社会保险五大险种中最重要的险种之一。所谓养老保险(或养老保险制度)是国家和社会根据法律法规,为解决劳动者在达到国家规定的解除劳动义务的劳动年龄界限,或因年老丧失劳动能力退出劳动岗位后的基本生活而建立的一种社会保险制度。这一概念主要包含以下三层含义:①养老保险是在法定范围内的老年人完全或基本退出社会劳动生活后才自动发生作用 1. What is Endowment Insurance? Endowment insurance is an important part of the social security system and one of the most important types of insurance in the five major types of social insurance. The so-called pension insurance (or pension insurance system) is the state and society in accordance with laws and regulations, in order to solve the workers in the state to meet the obligations of the labor force to lift the working age limit, or because of old age after the loss of working ability to withdraw from the basic post-employment status A kind of social insurance system. This concept mainly includes the following three meanings: (1) Old-age insurance automatically takes effect after the elderly within the statutory scope have completely or basically withdrawn from social labor life