社会保障体系不建立,国企改革难以奏效;国企改革不能奏效,金融改革就举步维艰。三者是相互作用、辩证统一的关系。 社保、国企、金融三大改革是目前中国经济改革的难点、攻坚战。在极其复杂的国情下,三大改革不可能齐头并进,四面出击,必须研究改革先后的次序。 首先是尽快建立完善社会保障体系——养老保险制度、医疗保险制度、居民购房贷款抵押与信用制度以及人寿、财产保险制度的进一步扩大和完善。政府应该首先建立与完善社保制度,这是老百姓普遍受益,广为拥护的改革 第二是国企改革——主要是分离其社会职能,使其变为单一的生产经营职能,逐步建立现代企业制度,强化内部管理,优化产业结构,合理配置社会资源,主要是生产要素,从而 Social security system is not established, the reform of state-owned enterprises is difficult to work; the reform of state-owned enterprises can not be effective, the financial reform is struggling. The three are interactive, dialectical unity. Social Security, State-owned Enterprises and Financial Reform Are the Difficulties of China’s Economic Reforms and Tough Straddling. Under the extremely complicated national conditions, it is impossible for the three major reforms to go hand in hand and to attack in all directions. Therefore, we must study the priorities of the reforms. The first is to establish and improve the social security system as soon as possible - the pension insurance system, the medical insurance system, the mortgage loan and credit system for residents’ purchase of houses, and the further expansion and improvement of life insurance and property insurance systems. The government should first establish and perfect the social security system. This is a reform that is universally benefited and widely supported by ordinary people. The second is the reform of state-owned enterprises, which mainly separates its social functions into a single production and management function and gradually establishes a modern enterprise system. Strengthen internal management, optimize the industrial structure, rational allocation of social resources, mainly production factors, thus