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国家明令规定,社会保险资金只能有两个用途,一个是存在银行,一个就是买国债。项怀诚解释,只有这样做,社会保险资金的风险才是最低的。项怀诚表示,他所掌管的社会保障基金和社会保险资金不是一回事。“我国社会保障体系中,很重要的一部分是养老金。社会保险资金主要指的是养老保险。”而社会保险资金与社会保障基金最大的不同是：社会保险资金,是现收现付的,即用现在工作的人交的钱,来支付已退休老人的养老金；而社会保障基金,是中央政府为了应对老龄化社会划转的储备基金,未来10年至15年内都不会动用。为此记者专访了全国社会保障基金理事会理事长项怀诚。
The state explicitly stipulates that social insurance funds can only have two purposes, one is the existence of banks, one is to buy government bonds. Xiang Huaicheng explained that only by doing so would the risk of social insurance funds be the lowest. Xiang Huaicheng said he is in charge of social security funds and social security funds is not the same thing. “A very important part of our social security system is pensions.” Social insurance funds mainly refer to endowment insurance. "The biggest difference between social insurance funds and social security funds is that social insurance funds are pay-as-you-go payments, That is, people who work now pay the money to pay for retired elderly people. The social security fund is a reserve fund transferred by the central government in response to an aging society and will not be used for the next 10 to 15 years. This reporter interviewed Xiang Huaicheng, director of the National Social Security Fund Council.