1, national welfare mode, the main body of responsibility is the state, the source of financing is general tax, and the treatment depends on the needs of individuals and families, and has nothing to do with personal ability and tax payment.

2. Social insurance mode, the main body of responsibility is the employer and the employee, the source of financing is social insurance payment, and the treatment is determined according to the individual payment base and payment period, emphasizing the correlation between payment obligation and treatment enjoyment rights.

3, personal savings security system, the subject of responsibility is the individual, the source of financing is personal wage compulsory savings, the treatment depends entirely on the amount of personal savings and investment returns, emphasizing that the account assets of personal savings are owned by individuals and cannot be adjusted.

Characteristics of social security fund:

Social security fund is a special fund established for the implementation of social security system in accordance with the provisions of relevant national laws, regulations and policies. Social security funds are generally set up according to different projects, such as social insurance funds, social relief funds and social welfare funds. Among them, social insurance fund is the most important part of social security fund. Social insurance fund refers to the special funds paid by the payer and the payer according to a certain proportion of the payment base and raised by other legal means according to national laws and regulations in order to protect the social insurance benefits of the insured. Social insurance fund is a fund raised by the state for holding social insurance undertakings, which is used to pay insurance benefits and allowances enjoyed by workers due to temporary or permanent loss of working ability or job opportunities. The social insurance fund shall determine the source of funds according to the types of insurance and gradually implement social pooling. Employers and workers must participate in social insurance and pay social insurance premiums according to law.

To sum up: China's social security fund is mainly composed of three parts: social insurance fund, national social security fund and supplementary security fund. Social insurance funds formed by enterprises and individuals are the most important part of social security funds, mainly including basic pension, unemployment, medical care, work injury and maternity insurance funds.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 4

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.

Article 5

The people's governments at or above the county level will incorporate social insurance into the national economic and social development plan. The state raises social insurance funds through multiple channels. People's governments at or above the county level shall give necessary financial support to social insurance. The state supports social insurance through preferential tax policies.