多支柱模式是未来中国养老金计划体系发展的趋势。随着国家层次养老金计划的完善 ,职业养老金制度的建设将提上议事日程。从给付的确定方式看 ,职业养老金计划分为既定给付 (DB)和既定供款 (DC)两种模式。通过建立三阶段模型 ,本文就如何选择职业养老金计划的类型给出了分析框架和基本结论 Multi-pillar model is the future development of China’s pension plan system. With the improvement of the national-level pension plan, the construction of the occupational pension system will be put on the agenda. Judging from the mode of payment, the occupational pension plan is divided into two modes: defined payment (DB) and established contribution (DC). Through the establishment of a three-stage model, this paper gives an analytical framework and basic conclusions on how to choose the type of occupational pension plan