关键词: 养老保险 , 制度安排 , 顶层设计

Abstract: Pension insurance is the most important system arrangement  in the modern social security systemThe characteristics of long term accumulation of pension insurance and its huge benefit scale decides that it has fundamental impact on the entire social security systemWe should give high credit on the tremendous achievements made by Chinas pension insurance system covering all urban and rural elderly，who can receive a monthly pension with different sumsBut we also need to see that many problems and defects still exist in the current pension insurance systemDue to the immature and dependence on gradual reform path，the defects of the system design，as well as the restriction of the cost of system transformation and the existing pattern of interest，the pension insurance system is facing unsustainable risk，the accumulation of social conflicts is getting sharp and the crisis of public trust is becoming increasingly seriousTherefore，it is an urgent need to accomplish the toplevel design，the overall optimization of institutional arrangements as well as realizing the implementation of the stereotypes，stability and sustainable development of pension insurance system

Key words: pension insurance , system arrangement , top-level design