当人口老龄化席卷全球,养老问题也引起广泛关注和思考。本文着眼于分析储蓄基金制养老保险模式,并以新加坡中央公积金制度为例,从筹集、管理、运营等方面分析其特点、现状及存在的问题,提出相应的改革措施,为我国社会保障制度的完善提供借鉴。 When the aging population swept the world, the issue of pension has drawn wide attention and reflection. This paper focuses on analyzing the old-age insurance model of the pension fund system. Taking Singapore’s central provident fund system as an example, this paper analyzes its characteristics, current situation and existing problems from the aspects of fund raising, management and operation, and puts forward corresponding reform measures for the social security system in our country Improve to provide reference.