养老保险个人账户是指社会保险机构按照一定规则,记录每一名参加基本养老保险人员的基本养老保险费缴纳和养老金储备的专门账户。个人账户是职工在符合国家规定的退休条件后计发和领取基本养老金的主要依据。做实养老保险个人账户,就是要把缴费权益记录由“空帐”变为“实帐”存到老百姓的个人账户上,做实个人账户是党和国家为应对老龄化高峰,逐步减少个人 Pension insurance refers to the individual accounts of social insurance institutions in accordance with certain rules, record each of the basic pension insurance to participate in the basic old-age insurance premiums and pension reserves of special accounts. Personal accounts are the main basis for staff members to make and receive basic pensions after they meet the retirement conditions stipulated by the state. To make a real personal insurance account is to record the payment of rights and interests from “Empty Account ” to “Actual Account ” and save it to the personal account of the common people. As a personal account, the party and the state, in response to the peak of the aging population, Gradually reduce the individual