中国的人口老龄化已经成为一个不可逆转的社会发展趋势，随着社会老龄化程度的快速加深，我国现行的养老金制度将面临极大的挑战，当前我国养老金制度面临着结构性失衡问题，其中第一支柱养老体系占据主导地位，而第三支柱养老体系却始终难以铺开。鉴于此，本文的主要内容就是从遗赠扶养协议的视角入手，分析遗赠扶养协议在适用过程中所存在的规则困境，并在总结归纳问题的基础上提出相应的对策建议，从而推广遗赠扶养协议的养老服务，提升第三支柱养老体系的比重，解决当前我国养老制度的结构性失衡问题。

The aging of China's population has become an irreversible trend in social development. With the rapid deepening of social aging, the current pension system in China will face great challenges. The current pension system in China is facing structural imbalances, with the first pillar of the pension system dominating, while the third pillar of the pension system has always been difficult to implement. In view of this, starting from the perspective of legacy support agreements, this article analyzes the rule dilemmas that exist in the application process of legacy support agreements, and proposes corresponding countermeasures and suggestions based on summarizing and summarizing the problems, in order to promote the elderly care services of legacy support agreements, increase the proportion of the third pillar elderly care system, and solve the structural imbalance problem of China's current elderly care system.