本项目从适当降低缴费率、探索建立长期护理保险制度、完善社会保险体系等现实需求出发，从评估现行制度缴费标准与保障功能的合理性入手，本着费率与功能联动调整思路，探究符合实际的社会保险费率调整方案与功能扩展路径。项目运用多学科理论和方法，探索构建与保障范围、保障功能、保障水平相匹配的、立体复合的社会保险费率体系及其关系模型，从中寻求与社会发展相适应的适度费率体系；并在适度费率体系下探索构建科学的费率评估系统、费率择机调节机制以及费率调整方案；同时，以探索建立长期护理保险为契机，探讨在适度费率标准下优化和扩展保障功能的可行路径与实施方案；并通过典型地区实证与修正，最终提出国家层面上的适度费率标准、费率调整方案以及与之匹配的制度功能优化路径和操作方案，为我国社会保险体系完善、费率调整、功能优化提供政策建议。该研究不仅对指导社会保险制度实践具有现实意义，而且对丰富社会保险制度理论也具有重要价值。

Based on the need of reducing the contribution rate appropriatly, exploring the establishment of long-term care insurance system, and perfecting the social insurance system.This project starts from assessing the rationality of the payment standard and safeguard function of current social insurance system, considering the linkage between the rate and function, and explores the way to adjustment the social insurance rate and the way to expend its function. In use of multidisciplinary theory and path,this project intend to build the model of social insurance premiun rate which matches the scope ,the function and the level of social insurance. Under the appropriate rate systerm,this project explores the rate evaluation system, rate adjustment mechanism and rate adjustment scheme. At the same time, in attempt to establish long-term care insurance, this project try to optimize and expand the system function under moderate rates,and find out the feasible path and implementation plans. Through the empirical research of typical regions, we finally put forward the moderate rate system, rate adjustment scheme of national level, and the optimal path to improve the social insurance system in our country. This research wook not only help to guide the practice of social insurance system, but also important to enrich the theory of social insurance system.