我国养老保险基金保值增值途径的探索

The investigation of the channels on maintaining and appreciating for the insurance fund and pension in China

我国养老制度从１９８４年试行统筹到现在已初具规模。如何使这样巨大的一笔基金保值增值是全社会都很关心的问题。本文提出１．建立以法律手段为主的养老保险金制度，增强养老保险金的严肃性；２．提高养老保险基金的统筹层次；３．成立养老保险金银行；４．多渠道投资，专业化运作。

China's pension system has been working in a certain scale since initiated on trial in 1984. It is extensively concerned by the public how such a large amount of fund could maintain and even appreciate in value. This article discusses: 1. establishing a pension system which mainly involves lawful means, and therefore the solemnity of which could be intensified; 2. raising the level of the pension fund in the general planning; 3. setting up banks of pension; 4. investing through various channels and professionalizing the operation.