企业年金资产配置管理探析

发布时间：2018-01-29 00:55

本文关键词： 企业年金投资管理资产配置　出处：《新金融》2017年11期 　论文类型：期刊论文

【摘要】：企业年金作为养老保障体系"第二支柱",为企业职工提供补充养老保障,国内外大量研究均表明资产配置对年金基金保值增值起到了决定作用,关系到职工退休后的养老保障水平。但受现有政策法规等限制,目前企业年金实施计划层面资产配置管理还存在不少障碍。本文在对存在问题深入分析的基础上,结合自身实践探索,提出由委托人明确投资目标和管理要求,充分调动各管理人积极性,委托人、受托人、投管人各司其职,协力推进的资产配置解决方案,并提出进一步完善企业年金资产配置管理的思考和建议。
[Abstract]:As the second pillar of the old-age security system, enterprise annuity provides supplementary old-age security for enterprise workers. A large number of studies at home and abroad show that asset allocation plays a decisive role in maintaining and increasing the value of pension funds. Related to the level of retirement pension security. But by existing policies and regulations and other restrictions. At present, there are still many obstacles in the implementation of enterprise annuity plan level asset allocation management. Based on the in-depth analysis of the existing problems, combined with its own practice, this paper puts forward that the principal should define the investment objectives and management requirements. Fully mobilize the enthusiasm of managers, principals, trustees, investment managers to perform their respective duties, promote the asset allocation solution, and put forward to further improve the asset allocation management of enterprise annuity thinking and suggestions.
【作者单位】：交通银行人力资源部;
【分类号】：F275;F842.6
【正文快照】： 企业年金是企业及其员工在依法参加基本养老保险的基础上,自愿建立的补充养老保险制度,是现代养老金体系当中的第二支柱。2004年,我国正式实施《企业年金试行办法》,2006年,我国第一只企业年金计划开始正式投资运作。运作初期,年金基金资产投向相对单一,仅限于存款、股票、债

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