求翻译：社会统筹与个人账户相结合。社会统筹部分采取现收现付模式，均衡单位负担；个人账户部分采取积累模式，体现个人责任，全部由个人缴费形成。　养老保险基金主要由企业和职工缴费形成，企业缴费比例一般不超过企业工资总额的20％，个人缴费比例为8％，　由用人单位代扣代缴。是什么意思？

Social pooling and individual accounts. Social pooling to take a pay model, balanced units affordable; and partly by the accumulation of personal accounts model reflects the personal responsibility, formed entirely by individual contributions. Pension fund contributions mainly by the formation of en

Community integration with individual accounts. Social and manpower to take part in cash balance model units; personal accounts burden taken part accumulation mode, individual responsibility, and the fees paid by individuals. Old-age pension funds mainly by enterprises and their employees, and compa

The society plans with individual account unifies.The society plans the part to adopt presently takes cash pays the pattern, balanced unit burden; Individual account part adopts the accumulation pattern, manifests the personal liability, by personally pays expenses completely the formation.　The old-

Social pool combined with the personal account.　Social pool section is now receiving pay mode, balancing unit burden; personal account section accumulation mode, of personal responsibility, all formed by the individual payment. Old-age insurance fund by enterprises and workers of a form of payment,

Social pool combined with the personal account.　Social pool section is now receiving pay mode, balancing unit burden; personal account section accumulation mode, of personal responsibility, all formed by the individual payment. Old-age insurance fund by enterprises and workers of a form of payment,