目前,我国社会保险体系明显滞后于社会主义市场经济的要求,为了促进社会保险事业的发展,在社会保险体制尚未理顺前,我们认为在养老保险省级统筹基础上组建社会保险银行,从统管全部社会保险基金起步推动社会保险体制改革是一条可行之路。 一、建立社会保险银行 的必要性 社会保险基金保值增值是当前急待解决的重要问题。按现行规定,基金只能存入银行和购买国家债券,手段单一,很难达到保值增值目的。基金管理的目标是增值优 At present, China’s social insurance system lags far behind the requirements of the socialist market economy. In order to promote the development of social insurance, before the social insurance system has been straightened out, we think that the establishment of social insurance banks on the basis of the overall plan of the provincial pension insurance should be carried out in a unified manner. All social insurance funds to start the social security system reform is a feasible way. First, the need to establish a social insurance bank Social insurance funds to increase the value of the current urgent solution to the important issue. According to the current regulations, the fund can only be deposited in banks and purchase state bonds with a single means. It is very difficult to achieve the goal of maintaining and increasing value. The goal of fund management is value added