摘要：养老保险是社会保障制度的重要组成部分，一个健全的养老保险制度的发展是保障民生，社会稳定，最根本的出发点和重点。目前，我们国家的养老保险制度体系主要是由基本、企业补充、个人储蓄性养老保险三方面组成。其中，占据我国养老保险主体地位的是基本养老保险。而作为整个基本养老保险的核心部件的又是城镇企业职工基本养老保险。因此，完善我国城镇企业职工基本养老保险制度对于我国的社会经济稳定以及社会健康发展极具研究意义。

关键字 基本养老保险 统账结合 个人账户

ABSTRACT：Endowment insurance is an important part of social security system, a sound old-age insurance system is the guarantee of the development of the people's livelihood and social stability, and the fundamental starting point and the point. At present, our country's endowment insurance system is mainly composed of basic, enterprise complement and individual deposit sex endowment insurance. Among them, the endowment insurance in our country main body role is basic endowment insurance. As the core component of the basic endowment insurance and town basic old-age insurance for enterprise employees. Therefore, consummates our country town enterprise worker is basic endowment insurance system for our country's social and economic stability and social health consciousness research significance.

Key Words：The basic old-age insurance, combination,Individual account.