读者邵女士来信:我和我的老姐妹们都是企业的退休职工,退休时单位为我们在银行开立了账户,每月把退休金分别转到各人的账户上。从去年下半年开始,情况有了变化。市统筹办为我们每人又另外开立了银行账户,但是并没有把每月的退休金全部都转到这个账户上,而是将一部分如交通费、洗理费等仍由单位转入原先的账户。据说这叫养老金的社会化发放。社会化发放为什么不能包括全部退 Reader Miss Shao letter: I and my older sisters are retired workers, retirement unit for us to open an account at the bank, the monthly pension to each person’s account. From the second half of last year, the situation has changed. The city planning office also opened a separate bank account for each of us, but did not transfer all the monthly pensions to this account. Instead, some of them, such as transport expenses and washing and cleaning fees, were still transferred from the original unit Account. It is said that this is the socialization of pensions. Why socialization can not include all withdrawal