一、现行养老保险“统帐结合”模式的困惑我国现行城镇职工养老保险“统帐结合”模式是在上个世纪50年代初期、采用现收现付模式的基础上逐步发展衍变而来的。当初我国城镇职工养老保险“统帐结合”模式的制度设计是超前的,思路是对头的,方向是正确的;它参考了许多国际经验教训,既考虑到老龄化和财政可持续性问题,又有兼顾了再分配作用的因素,设计了现行这样一个 First, the existing endowment insurance “per-account combination ” mode of confusion China’s current urban employees pension “unified account with ” model is in the early 1950s, the use of pay-as-you-go model based on the gradual development of evolution And come. At the beginning, the system design for the pension insurance for the urban workers and the unified system of account-account integration in our country was advanced. The idea was right and the direction was correct. It took into consideration many international experiences and lessons, taking into account the issues of aging and financial sustainability , But also take into account the redistribution of the factors, the design of the current one