利用生命表函数对银川市职工养老基金进行分析预测.研究近期、中期养老保险基金收支、就业、人口、城市化、老龄化的变化态势.提出保持养老保险制度健康持续发展的建议. This paper analyzes and predicts the pension fund of Yinchuan by using the life table function.It studies the recent situation of the change of income and expenditure, employment, population, urbanization and aging in the endowment insurance fund.Proposed to maintain the healthy and sustainable development of the pension insurance system is put forward.