“两江”医改试点进展（三）“两江”两年的试点实践也说明了社会统筹和个人帐户相结合的医疗保障制度改革的方向和基本的原则办法是正确的。但是医疗制度改革的任务还是非常艰巨、复杂的，“两江”目前也遇到一些问题，如：基金收缴难、统筹医疗基金透支个人帐户、离休人... Progress of the “Two Rivers” Medical Reform Pilot Project (3) The two-year pilot practice of the “Two Rivers” also shows that the direction and basic principles and methods for the reform of the medical security system combined with social pooling and personal accounts are correct. However, the task of the reform of the medical system is still very arduous and complicated. “Two Rivers” is currently experiencing some problems, such as: difficulty in fund collection, overdraft of medical funds overdraft personal accounts, and retired people...