我国采取的是社会统筹与个人账户相结合的部分积累制养老保险模式,在强化个人账户的收缴和管理工作的同时,建立了社会保障基金,作为国家的长期战略储备,以应付将来可能出现的养老金支付危机。我国基本养老保险个人账户基金的管理运营包含收缴、账户管理、投资、监管、发放等环 China adopted a partial accumulation of old-age insurance model combining social pooling with individual accounts. While strengthening the collection and management of individual accounts, a social security fund was set up as a long-term strategic reserve for the country to cope with possible future problems Pension payment crisis. The management and operation of China’s basic old-age insurance personal account funds include collection, account management, investment, supervision and issuance