农村养老责任分担的实践及其制度化障碍

农村养老问题随着我国人口老龄化趋势的日益严重已引起人们的普遍关注。20多年的理论探索与实践表明，目前我国已具备建立农村社会养老保险制度的经济基础和社会基础。由国家、单位、社会成员个人共同承担养老保险责任风险应是养老保险改革的一个指导思想。

The Obstacles of Rural Old-age Practice of Shared Responsibility and Institutionalization

With the increasingly trends of old-age population,the problem of rural old-age cause for widespread concern.More than 20 years of theoretical exploration and practice has proved that our country has the economic base and social foundation for setting up rural endowment insurance system now.Liability risks of endowment insurance which shared by country,unit,members of society should be a guiding idea for endowment insurance reform.