虚拟缴费
Virtual payment
以上为机器翻译结果，长、整句建议使用 人工翻译 。
事实上，所有的个人帐户都是虚拟的，因为职工直到退休后才可以领到养老金，同时还需要缴费15年以上。
Individual accounts are in fact, virtual, because employees will not be able to cash out their pension until they retire, and have contributed to their individual accounts for at least 15 years.
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