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我国养老保险基金按照社会统筹和个人账户相结合的原则,采用“以支定收,略有结余,留有部分积累”的筹资模式进行筹集。社会统筹部分采用现收现付制,用于当期的社会养老金发放,个人账户则采用完全积累制,通过养老金的提前储备积累,以备未来我国人口老龄化社会对巨额资金支付需求
In accordance with the principle of combining social pooling with individual accounts, China’s pension insurance fund is raised in a fund-raising mode of “supporting loans with slight surplus and partial accumulation”. The social pooling part adopts the pay-as-you-go system for social pension payment in the current period. The personal account adopts the system of complete accumulation. Through the accumulation of the advance reserve of the pension in preparation for the future huge demand for funds in the aging population in our country