目前我国的社会保障收支已经初具规模,但相对我国居民不断增长的实际需求而言仍需大力发展和完善。我国社保基金投资管理存在的最核心的问题一是基金缺口问题,二是基金保值增值问题。应该在借鉴国外经验的基础上,尽快提高和加强我国社保基金市场化运作能力,提高回报率,从而更好地应付人口老龄化的冲击。 At present, the income and expenditure of social security in our country have begun to take shape. However, it still needs to be vigorously developed and improved in light of the growing actual demand of our residents. One of the core issues that exist in the investment management of China’s social security fund is the issue of fund gap and the other is the issue of the value preservation and increment of the fund. Based on the experience of other countries, we should improve and strengthen the market-oriented operation ability of social security funds in our country as soon as possible to improve the rate of return so as to better cope with the impact of population aging.