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养老保险断缴即清零？不实 达到法定退休年龄时能否补缴分情况！_我的网站

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    Selçuk Ünal, Ambassador of Türkiye to China Photo: Courtesy of the Embassy of the Republic of Türkiye in ChinaThis year marks the 55th anniversary of the establishment of diplomatic relations between Türkiye and China. The two countries share a long history of friendly exchanges. The ancient Silk Road linked the millennia-long history of mutual learning and people-to-people exchanges of the two sides, forging a profound foundation for the friendship between Türkiye and China.
Since modern times, both countries have undergone profound changes and social transformations. Their similar historical experiences have fostered mutual understanding. Upholding their longstanding tradition of friendship, bilateral relations between Türkiye and China have steadily advanced. The two countries formally established diplomatic relations in 1971, opening a new chapter in the development of bilateral ties.
High-level strategic guidance is the fundamental guarantee for the steady and long-term development of Türkiye-China relations. The two heads of state attach great importance to bilateral relations and are committed to continuously enhancing the quality and level of friendly cooperation between Türkiye and China, having built consensus through multiple meetings.
The meeting between the two leaders in Tianjin during the Shanghai Cooperation Organization Summit on August 31, 2025, which charted the course for the development of bilateral relations, serves as powerful proof of their sustained high-level dialogue. Türkiye consistently and firmly adheres to the one-China principle and supports China in safeguarding its national sovereignty and territorial integrity.
Under the joint guidance of the two heads of state, practical economic and trade cooperation between Türkiye and China has continued to develop. Cooperation on connectivity has deepened and yielded tangible results, with active efforts to align Türkiye's Middle Corridor Initiative with the Belt and Road Initiative. 
    A Türkiye Tourism booth at the ITB China 2026, one of the most influential tourism trade platforms in the Asia-Pacific region, in Shanghai on May 26, 2026 Photo: VCGThe scope of cooperation has steadily expanded - extending from traditional trade to areas such as trade security, the stability of industrial and supply chains, energy corridor construction, and digital connectivity - thereby creating a comprehensive, multi-tiered cooperation framework that injects momentum into shared regional development. 
Over the past two decades, the volume of bilateral trade has grown approximately 40-fold, cross-border transport projects have increased, two-way investment has steadily expanded, and the areas of cooperation have broadened, all demonstrating the enduring resilience and vitality of this economic and trade partnership.
At present, there is still significant untapped potential for cooperation between Türkiye and China. By expanding two-way investment, optimizing trade structures, and broadening areas of collaboration, the two nations can foster a more balanced, diversified, and mutually beneficial economic and trade landscape, thereby fully unlocking this potential. In this vein, high-quality direct investments from China into our country will create a true win-win foundation for the sustainability of our economic relations, while offering Chinese companies significant advantages in terms of access to markets adjacent to Türkiye, achieving shared success.
People-to-people exchanges form a vital foundation of public support for the development of relations between Türkiye and China, with tourism being the strongest point of convergence in people-to-people ties. 
In 2026, frequency of direct flights has increased to 56 times per week, strengthen direct connections for tourism, trade and business. Our decision, on the occasion of the 55th anniversary, to grant visa exemptions to Chinese citizens for touristic travel and transit - effective January 2, 2026 - fully demonstrates our strong commitment to increasing people-to-people contacts.
Today, our world is undergoing profound changes, with instabilities and uncertainties on a rise. Türkiye and China stand as two ancient civilizations that are influential in the region. Türkiye is committed to multilateralism and keeps strengthening its relations with China. Against the backdrop of complex and profound shifts in the international landscape, enhancing bilateral dialogue and cooperation is more important than ever, and the Türkiye-China relations rest on a solid foundation for continued development.
At the new starting point marked by the 55th anniversary of Türkiye-China ties, what needs to be done today is to translate political will into more concrete projects, efficient mechanisms and active private sector participation, thereby deepening and solidifying cooperation across different fields. We look forward to taking this occasion as an opportunity to join hands with China to forge a brighter future for bilateral relations. 
The author is Turkish Ambassador to China
。    参加基本养老保险，可以为退休生活提供一份稳定的养老收入和权益保障，这样的重要性和必要性相信任何人都明白，可不少网友在网上时常能刷到不同的声音“缴够15年就可以退休了，不用继续白交钱了”“一次补缴10万元每月领1400元”“断缴3个月待遇清零”……这些说法究竟靠谱吗？图源：卡乐图片 宁颖 摄　　别担心！养老保险出现断缴，参保记录不会清零！社保经办机构会保留您的基本养老保险关系，保存全部参保缴费记录，个人账户储存额也会连续计算利息，已缴的养老保险费不会白缴。若累计缴费满15年，达到法定退休年龄，就可以按月领取基本养老金。　　尽管如此，也得提醒大家，长时间断缴，相应的累计缴费时间就会相对较短，个人账户累计储存额会相对较少，最后到手的养老金也会相对较少。如果您长时间中断社保缴费，到法定退休年龄时缴费年限不够，那您领取养老金的时间也要相应延后。

B | 　　达到法定退休年龄时养老保险没缴够年限，能一次性补缴？　　能否补缴，分情况！　　人力资源和社会保障部解释称，如果参加的是城镇职工养老保险，达到退休年龄时累计缴费不够15年，可以延长缴费至满15年。这种情况包含一个分界点：在2011年7月1日《社会保险法》实施前已经参保缴费的，若延长缴费5年后还不够年限，可一次性缴费到满15年；在《社会保险法》实施后参保并缴费的需继续缴费至满15年后再领取养老金。　　如果参加的是城乡居民养老保险，分为三种情况：　　情况一：在户籍所在地城乡居民养老保险制度实施时，已满60周岁，且未领取过国家规定的基本养老保障待遇，那么不用缴费，就可以按月领取城乡居民养老保险养老金了。　　情况二：制度实施时，距60周岁的规定领取年龄不足15年，应逐年缴费至60岁。

C | 也允许补缴，但累计缴费不超过15年。

D | 　　情况三：制度实施时，距60周岁的规定领取年龄超过15年，应按年缴费，累计缴费不少于15年才能领养老金。　　（中国小康网海峡网、人力资源和社会保障部微信公众号。

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