国外养老金运营的经验、我国证券市场的规范发展以及企业年金和全国社保基金的成功运营表明,
我国基本养老保险个人账户基金进入证券市场是一个可行的选择。但是,基本养老保险个人账户基金入市运营还面临着若干问题,如法律缺位,转制成本需要化解,统筹层次太低等,因此我国应及时修订相关的法律法规；多方筹集转制成本资金；提高统筹层次,在实现省级统筹的基础上实现全国统筹。
关键词：养老保险；个人账户；保险基金；
Abstract
Pension operations abroad experience, regulate the development of China's securities market and corporate pension and the National Social Security Fund show that the success of operations, China's basic old-age insurance fund individual accounts into the stock market is a viable option.
However, the basic old-age insurance fund individual accounts into the market operators also face a number of issues, such as the law becomes vacant, conversion costs need to resolve, such as low-level co-ordination
Therefore China should promptly amend the relevant laws and regulations; multi-raising the cost of funds transfer; to improve co-ordination level, in the realization of the basis of provincial co-ordination of national co-ordination.
Key words: old-age insurance; personal accounts; insurance fund;
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