我国养老保险制度改革将分四个步骤进行。一是统一基本养老保险制度。劳动部、国家体改委牵头,国务院7部委组成的统一养老保险制度联合调研组在1996年8月已向国务院提交了《关于统一企业职工养老保险制度的汇报提纲》,提出了统一养老保险制度的方案框架,并得到国务院原则同意。其要点是:按职工工资的11%建立个人帐户,其中个人缴费8%,企 China’s pension insurance system reform will be carried out in four steps. First, unify the basic old-age insurance system. In August 1996, the Joint Research Unit of the Unified Endowment Insurance System composed of 7 ministries and commissions under the State Council submitted the “Outline of Reporting on Unification of the Endowment Insurance System for Workers and Workers of Enterprises”, and proposed the Unified Pension Insurance System Program framework, and agreed by the State Council in principle. The main points are: to establish personal accounts at 11% of the employee’s salary, of which 8%