As in many other countries, China has put in place a system to ensure that its citizens will be able to maintain some income after their retirement. It operates by receiving income on a monthly basis from both the employee and the employer. The portion received from the employee goes into a personal account and after retirement the individual can withdraw money from it directly. However, the portion received from the employer goes into a social account. Funds in this account are distributed to all citizens that have turned in their income into the system during their working life. In this way, citizens who have used up the personal fund will still have some income to support themselves.
與許多國家一樣，中國也已建立起一個體系，以確保公民在退休后能夠維持一定收入。這個體系的運轉(zhuǎn)靠的是雇主和雇員每月各自上繳一部分錢。雇員上繳的部分存入個人賬戶，退休后個人可以直接從賬戶中取錢。而雇主上繳的部分將存入社會賬戶。這個賬戶中的基金將分配給所有曾在其職業(yè)生涯中向此賬戶繳過錢的公民。這樣，即使公民用完了個人賬戶中的養(yǎng)老金，依然能有一些收入來維持生計。
