本文从我国当前社会养老金入不敷出 ,历年积累投资损失严重的事实 ,提出社会养老保障金的如何保障问题 ,同时从改自我监管为社会共同监管、立法监管和货币权益保障 ,现金流量保障等多角度阐述了社会养老基金保障必要性 ,并且探索性地提出了增加社会养老基金物权保障和其他法律保障措施。 In this paper, from the fact that the current social pension in our country can not make ends meet and the accumulated investment over the years is serious, this paper puts forward the question of how to guarantee the social old-age security fund. At the same time, from self-regulation to social common supervision, legislative supervision and protection of monetary rights and interests, Expounds the necessity of guaranteeing the social pension funds and explores the ways to increase the social security rights and other legal guarantees for social pension funds.