在目前中国的三支柱养老金体系中，农民工面临的困境在于：第二支柱企业年金是由雇主主导的，目前主要覆盖的是大企业和国企职工，绝大部分农民工不可能参加企业年金制度。第三支柱个人养老金农民工可以自主参加，但是，该制度目前主要对需要缴纳个人所得税的群体有一定吸引力，而农民工绝大部分不需要缴纳个人所得税。特别是对那些已经接近退休年龄的农民工来说，第三支柱更是远水不解近渴。

“shuodaodiyaocaizhangjiashigongxushihengwenti。”dengyongfenxishuo，shijishangguoneimuqianzhongyaocaizhongzhibiaozhunyuzhilianghaidabudaoguifanhua、biaozhunhua、gaozhilianghuajianshedeyaoqiu，zaigonggeishangrenghuichuxianmouxiequelou，jitixingzhangjiarengbukebimian。zhongyaocaizhongzhibiaozhunhuaguifanhuafazhan、zhongyaocaichanyelianyingshoufenpeiyouhuashiyigechangqiguocheng，xuzhubugoujian。muqian，ruoyaowendingyaojia，xuyaozhengfuqiangzhilituidong，jinkenengshixianzhongyaocaidezhigongzhixiao，bimianhongtaiyaojia、eyitunchudengbuzhengdangxingwei。“(“)说(shuo)到(dao)底(di)药(yao)材(cai)涨(zhang)价(jia)是(shi)供(gong)需(xu)失(shi)衡(heng)问(wen)题(ti)。(。)”(”)邓(deng)勇(yong)分(fen)析(xi)说(shuo)，(，)实(shi)际(ji)上(shang)国(guo)内(nei)目(mu)前(qian)中(zhong)药(yao)材(cai)种(zhong)植(zhi)标(biao)准(zhun)与(yu)质(zhi)量(liang)还(hai)达(da)不(bu)到(dao)规(gui)范(fan)化(hua)、(、)标(biao)准(zhun)化(hua)、(、)高(gao)质(zhi)量(liang)化(hua)建(jian)设(she)的(de)要(yao)求(qiu)，(，)在(zai)供(gong)给(gei)上(shang)仍(reng)会(hui)出(chu)现(xian)某(mou)些(xie)缺(que)漏(lou)，(，)集(ji)体(ti)性(xing)涨(zhang)价(jia)仍(reng)不(bu)可(ke)避(bi)免(mian)。(。)中(zhong)药(yao)材(cai)种(zhong)植(zhi)标(biao)准(zhun)化(hua)规(gui)范(fan)化(hua)发(fa)展(zhan)、(、)中(zhong)药(yao)材(cai)产(chan)业(ye)链(lian)营(ying)收(shou)分(fen)配(pei)优(you)化(hua)是(shi)一(yi)个(ge)长(chang)期(qi)过(guo)程(cheng)，(，)需(xu)逐(zhu)步(bu)构(gou)建(jian)。(。)目(mu)前(qian)，(，)若(ruo)要(yao)稳(wen)定(ding)药(yao)价(jia)，(，)需(xu)要(yao)政(zheng)府(fu)强(qiang)制(zhi)力(li)推(tui)动(dong)，(，)尽(jin)可(ke)能(neng)实(shi)现(xian)中(zhong)药(yao)材(cai)的(de)直(zhi)供(gong)直(zhi)销(xiao)，(，)避(bi)免(mian)哄(hong)抬(tai)药(yao)价(jia)、(、)恶(e)意(yi)囤(tun)储(chu)等(deng)不(bu)正(zheng)当(dang)行(xing)为(wei)。(。)