我国基本社会养老保险改革是从1984年国有企业推行退休费社会统筹开始的,其间经历了三次重大改革,逐步实行了社会统筹和个人账户相结合的制度。按照改革目标,我国将逐步形成包括基本养老保险、企业补充养老保险、个人储蓄性养老保险在内的多层次养老保险保障制度。部分基金积累型养老保险制度的 The reform of basic social pension insurance in our country started from the social pooling of retirement fees by state-owned enterprises in 1984, during which three major reforms have taken place and the system of combining social pooling with individual accounts has been gradually implemented. In accordance with the goal of reform, China will gradually form a multi-level pension insurance system that includes basic endowment insurance, enterprise supplementary endowment insurance and personal savings endowment insurance. Part of the fund-based pension insurance system