社会统筹和个人帐户相结合的养老保险制度是针对当前的国情而采取的一种新模式 ;针对这一正在形成中的模式 ,工会应从自己的视角、立场出发 ,在对老职工的养老金欠债政府应给予补偿、建立养老金自动调节机制等四个方面发挥作用 ,使之不断完善。 The pension insurance system which integrates social pooling and individual accounts is a new model for the current national conditions. In response to this emerging model, the unions should, from their own perspectives and positions, The government should give compensation, the establishment of an automatic pension adjustment mechanism and other four aspects play a role, so that continuous improvement.