我国社会养老保险基金投资监管研究

发布时间：2018-04-16 11:36

本文选题：养老保险 + 养老保险基金　；参考：《湖南大学》2012年硕士论文

【摘要】：养老保险是保障老年人基本生活需要的一种社会保障制度,有助于实现人们“老有所依”的愿景。我国正处于社会主义初阶段,经济欠发达,人口又多,人口老年化趋势明显,养老负担加重。这就要求我们对养老保险进行有效投资来实现增值,以缓解日益严重的养老金支付压力。由于养老保险基金的特殊性,对养老保险基金进行有效投资时,要保证养老金的安全营运,这就需要对养老基金投资营运进行有效监管。我国目前很多地方出现了社保基金被侵占挪用,我国养老保险监管存在严重的漏洞。养老基金行政监管与业务管理职责不明确、养老保险基金社会监督主体缺位、监管立法落后、信息化建设滞后、专业素质管理人才的缺乏,这些主要是由于养老保险基金监管模式的不合理,严重地制约着我国养老保险事业的发展。因此,借鉴国外各典型国家养老保险基金的投资监管经验,结合我国的实际情况和社会养老保险基金投资监管的原则：依法监管原则、合理监管原则、适度监管原则、有效监管原则来选择我国养老保险基金投资监管模式。在监管模式上,提出多元化的养老金监管模式和数量限制监管与审慎人相结合的混合监管模式,对我国的养老保险基金的发展具有重要意义。
[Abstract]:Endowment insurance is a kind of social security system to protect the basic living needs of the elderly, which helps to realize people's vision of "having something to rely on".Our country is in the early stage of socialism, the economy is underdeveloped, the population is large, the aging trend of population is obvious, and the burden of the aged is increasing.This requires us to effectively invest in pension insurance to achieve value-added to ease the increasing pressure on pension payments.Because of the particularity of pension insurance fund, it is necessary to supervise the investment operation of pension fund effectively to ensure the safe operation of pension fund.At present, social security funds have been embezzled and misappropriated in many places in China, and there are serious loopholes in the supervision of pension insurance in our country.The responsibilities of pension fund administrative supervision and business management are not clear, the main body of social supervision of pension insurance fund is absent, the supervision legislation is backward, the information construction is lagging behind, and the professional quality management talent is lacking.These are mainly due to the unreasonable supervision mode of endowment insurance fund, which seriously restricts the development of endowment insurance in our country.Therefore, drawing lessons from the investment supervision experience of various typical countries, combining the actual situation of our country and the principles of social endowment insurance fund investment supervision: the principle of supervision according to law, the principle of reasonable supervision, the principle of moderate supervision,The effective supervision principle chooses our country endowment insurance fund investment supervision pattern.On the regulatory model, it is of great significance for the development of the pension insurance fund in China to put forward the diversified pension supervision model and the mixed supervision mode of the combination of the quantitative restriction supervision and the prudent person.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F842.67;F832.51

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