筹资模式是基本养老保险制度的基础,它决定了这一制度在财务上是否具备可持续性。目前我国养老保险制度面临的各种问题,如人口老龄化、覆盖面窄、缴费水平过高、征缴率低等,以及采取的改革措施,如做实个人账户、改革计发办法、建立全国社会保障基金等,几乎无一不与改善筹资能力有关。 Funding model is the basic pension insurance system, which determines the financial sustainability of this system. At present, various problems facing China’s pension insurance system, such as aging population, narrow coverage, high payment levels and low collection rates, as well as reform measures such as implementing individual accounts, reforming measures and establishing a national society Almost all of them are related to improving their fundraising capacity.