摘要：我国是一个典型的“未富先老”的国家，人口老龄化程度与我国经济发展水平很不相适应。我国人口老龄化具有发展速度快、老年人人口规模大、老龄化与高龄化同步，高龄化快于老龄化等特点。而我国的社会养老保障制度由于其“低水平”“广覆盖”的特点，难以应对这种愈来愈严峻的养老压力，因而我们必然要利用商业养老保险制度的优势，发展并完善我国的商业养老保险制度来弥补我国养老制度的不足。本文分析了我国人口老龄化的现状及给我国社会养老保障带来的挑战，提出了发挥商业养老保险制度的优势，弥补商业养老保险制度的不足的战略，并在我国商业养老保险制度的完善方面提出新思路、新建议。

关键词： 人口老龄化，社会养老保险，商业养老保险

ABSTRACT：It can be obviously seen that Our country, China, is growing old .The elderly population grows in a rapid speed. It worried us that China has become an aged society, before it grows rich, which make it called an "old before rich" country.  It is a rule that the elderly population explores when the scale of economic has developed to a relatively high level. However, at present, the scale of aged Population seems to not match our economic very well, our country has become one of aged population countries in advance. Aged population in our country keeps growing, which bring great burden to the traditional endowment insurance system.

　　　The current insurance system cannot cope with the population challenge any more. So how can we solve the problems? Take the advantage of commercial endowment insurance system , it might be a good means to improving current endowment insurance system in China. This paper presents the situation of the aging population in our country ,analyzes the challenge brought by the great amount of aged population and the strengths of commercial endowment insurance system. It also shows the readers the current commercial endowment insurance system, puts forward the thinking of development of commercial endowment insurance products, gives advice to commercial endowment insurance system in China at the same time.

Key Words: The elderly population , Social Pension Insurance , The endowment insurance