Legal Analysis: In the process of China's economic marketization, there are two kinds of prices for the same product in the product market: planned monopoly pricing and market pricing, which is called price dual-track system. Similarly, in the monetary and financial markets, there are also regulated loan interest rates and market-oriented interest rates that are completely determined by market supply and demand, which is the interest rate dual-track system.

Legal basis: Article 10 of the Social Insurance Law of People's Republic of China (PRC) * * * Employees shall participate in the basic old-age insurance, and both employers and employees shall pay the basic old-age insurance premium. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic old-age insurance in the employer and other flexible employees can participate in the basic old-age insurance, and individuals pay the basic old-age insurance premium. The measures for the endowment insurance of civil servants and staff managed by reference to the Civil Service Law shall be formulated by the State Council.