中文摘要：

城乡居民基本养老保险制度作为生新的制度,在资金的筹集、发放及基金的管理运营等方面,还处于摸索阶段。智利模式,是一种完全强调个人责任、重视市场力量的私人养老保险制度,在资金的筹资、管理、投资等方面已形成了比较成熟的经验。借鉴智利模式的经验,我国的城乡居民基本养老保险制度应从4个方面进行完善：一是,合理界定政府在养老保险制度建设中的责任;二是,处理好社会公平与效率关系;三是,建立长效稳固的筹资机制;四是,引进市场化运作机制,实现养老保险基金的保值增值。

英文摘要：

China’s basic pension insurance system for urban and rural residents as a new system,in terms of fund raising,distribution and fund operations and other aspects of the management is still in the exploratory stage.The Chilean model is a fully stressed personal responsibility,pay attention to the market power of the private pension system,in terms of capital financing,management,investment has formed a relatively mature experience.Draw lessons from the experience of Chile pattern,China’s urban and rural residents basic endowment insurance system from four aspects to improve： one is the responsibility of the reasonable definition of the government of the endowment insurance system in the construction of;the second is to deal with the relationship between social equity and efficiency;three is to establish a long-term and stable financing mechanism;four is the introduction of the operation of the market,increasing the value of pension insurance.