By researching thepublic reserve funds of SingaPore and the personal savings account pensionsystems in Chile, the essay has clarified the special natue and variousmodes of pension products.

• 在典型案例研究中，对新加坡的公积金养老制度和智利的个人储蓄账户养老金制度进行了分析，说明了养老金产品的特定性质和形式的多样性。