Legal analysis: Overall planning for the aged is mainly a combination of social overall planning and individual contributions. Social pooling is a pay-as-you-go system, and individual contributions are a fund accumulation system. Pension planning, also known as pension insurance planning, refers to coordinating the collection, management and use of individual pension insurance within a certain range. The overall planning area is responsible for the balance of the endowment insurance fund in this area, and the balance is mainly dominated and used by this overall planning area. The gap generally needs to be filled by the government at the same level and the finance at the same level.

Legal basis: Article 10 of the Social Insurance Law of People's Republic of China (PRC) * * * Employees shall participate in the basic old-age insurance, and both employers and employees shall pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.