养老保险是社会保障体系的核心内容,它影响面大、社会性强,关系到一个国家的和谐与发展,涉及劳动者的基本生活需要。但是“未富先老”的状况对我国经济的发展和养老保险制度都是极大的挑战。本文从养老保险基金管理存在的主要问题出发,在指出问题的同时并分析原因,最后找出解决对策。 Pension insurance is the core content of the social security system. Its impact is large and socially strong. It is related to the harmony and development of a country and involves the basic needs of laborers. However, the status of “getting old before getting rich” is a great challenge to China’s economic development and pension insurance system. This article starts from the main problems existing in the management of pension funds, points out the problems at the same time and analyzes the reasons, and finally finds the solutions.