通过对河北省三个地市区不同所有制企业养老保险发展状况的调查,发现其养老保障在改善的过程中仍存在大量的缺陷。本文基于调查数据和实地访谈,对存在问题及其原因进行了系统分析,并着重探讨了应对相关问题的对策和建议,以期中小企业就业人员的养老保险状况得到有效改善。 Through the investigation of the development of endowment insurance in different ownership enterprises in three cities in Hebei Province, it finds that there are still many defects in the process of improvement of pension security. Based on the survey data and field interviews, this article systematically analyzes the existing problems and their causes, and focuses on the countermeasures and suggestions to deal with related issues so as to effectively improve the pension insurance for SMEs employed.