个人账户对应门诊医疗费用,统筹基金对应住院医疗费用,这种组合有利于决策的准确性和全面性,而放弃个人账户,则是一种制度上的倒退。因为,它一方面放弃的是责任,一方面剥夺了参保人员的应得利益…… Personal accounts correspond to out-patient medical expenses, and the overall fund corresponds to hospitalization expenses. This combination is conducive to the accuracy and comprehensiveness of decision-making. However, abandoning individual accounts is an institutional retrogression. Because, on the one hand, it gives up its responsibility and on the other hand deprives the insured person of their entitlements ...