What are the consequences of a foreigner leaving China before they can use their pension fund?

If the foreigner leaves China prior to reaching the prescribed statutory age for pension withdrawal, their social insurance personal account will be retained, and the contribution years will be calculated on a cumulative basis if they come back to China to work again in the future. Alternatively, upon submitting a written application for terminating the social insurance relationship, the in-charge social insurance agency can make a lump-sum payment of the money deposited in the social insurance personal account to them.