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.
与许多国家一样，中国也已建立起一个体系，以确保公民在退休后能够维持一定收入。这个体系的运转靠的是雇主和雇员每月各自上缴一部分钱。雇员上缴的部分存入个人账户，退休后个人可以直接从账户中取钱。而雇主上缴的部分将存入社会账户。这个账户中的基金将分配给所有曾在其职业生涯中向此账户缴过钱的公民。这样，即使公民用完了个人账户中的养老金，依然能有一些收入来维持生计。
