一、我国养老保险待遇差距的现状和形成原因一是个人所缴纳养老金的差距。经过一系列的改革,目前各地机关事业单位养老保险的个人缴费比例为2—8%,大多数地方在3%左右,甚至不少地方不建立个人账户,职工的退休金由国家财政负担;同时,经过多年的改革探索,城镇企业职工基本养老保险“统账结合”的制度模式已渐成体系,个人缴费比例已经达到8%,实现了权利和义务的统一,公平和效率的结合。 First, the status quo and reasons for the formation of the pension insurance benefits gap in China First, the gap between the individual pension paid. After a series of reforms, at present, the proportion of individual contributions to the endowment insurance of various public institutions and public institutions is 2-8%, and in most places it is around 3%. Even in many places, no individual accounts are set up. The employees’ pensions are borne by the state treasury; meanwhile, After many years of reform and exploration, the system model of basic pension insurance for employees in urban enterprises and the system of “unified account and account combination” has gradually become a system. The proportion of individual contributions has reached 8% and the unification, fairness and efficiency of rights and obligations have been achieved.