我国养老保险个人账户基金及其投资运营研究

发布时间：2018-06-24 21:52

本文选题：养老保险 + 个人账户基金　；参考：《河北大学》2013年硕士论文

【摘要】：随着中国社会老龄化的加剧，建立和完善养老金制度，保障老年人晚年的生活水平已经成为我国解决民生问题、健全社会保障机制的重要目标。个人账户作为基本养老保险统帐结合的重要部分，将在养老保险中占据重要的地位，其投资运作水平的高低，将直接影响到职工退休后的生活质量。目前，我国基本养老保险个人账户在全国范围内逐步做实己经取得一些成效，未来进入养老保险个人账户的资金量每年将达1万亿元，对于如此庞大的资金量进行有效的投资运营以实现保值增值，应对未来的支付危机和通货膨胀压力，具有非常重要的现实意义。因此如何构建社会养老保险个人账户基金的管理和投资运营方式，在确保安全的情况下打开养老金入市投资的闸门，借鉴国际经验探索多元化的投资组合方式，最终实现养老金的保值增值无疑将成为中国社会养老保险制度可持续发展的关键。首先，本文对养老保险个人账户基金的相关概念进行了解析和界定，回顾我国养老保险个人账户基金的历史沿革，并分析了养老保险个人账户基金面临的形势。其次，重点对我国养老保险个人账户基金的投资运营情况进行分析，剖析养老保险个人账户投资运营中存在的问题，并进一步分析了影响我国养老保险个人账户基金保值增值的制约因素以及多元化投资的必要性。再次，主要对国外典型国家养老保险个人账户基金的投资运营方式进行比较研究，分析并总结出国外实践经验对中国的启示。最后，，在此基础上提出完善养老保险个人账户基金投资运营的策略，包括基金投资的基本原则，我国养老保险个人账户基金运营方式的可行性选择以及实现养老保险个人账户基金保值增值的关键性措施，为将来我国养老保险个人账户基金的有效投资运营提供一种理论思路。
[Abstract]:With the aggravation of the aging society in China, establishing and perfecting the pension system and ensuring the living standard of the elderly in their old age have become the important goals of solving the livelihood problems and perfecting the social security mechanism in our country. As an important part of the combination of basic old-age insurance, personal account will occupy an important position in the pension insurance. The level of investment and operation will directly affect the quality of life of the staff and workers after retirement. At present, China's basic old-age insurance personal account has gradually made some achievements throughout the country. In the future, the amount of funds entering the pension insurance individual account will reach 1 trillion yuan a year. It is of great practical significance to deal with the future payment crisis and the pressure of inflation for such a large amount of money to carry on the effective investment operation in order to maintain and increase the value. Therefore, how to construct the management and investment operation mode of the social endowment insurance personal account fund, open the gate of the pension investment in the market under the condition of ensuring safety, and explore the diversified investment combination way by drawing lessons from the international experience. Finally, the maintenance and increment of pension will undoubtedly become the key to the sustainable development of China's social endowment insurance system. First of all, this paper analyzes and defines the related concepts of the pension insurance personal account fund, reviews the history of the pension insurance personal account fund in China, and analyzes the situation facing the pension insurance personal account fund. Secondly, it analyzes the investment and operation of the pension insurance personal account fund in China, and analyzes the problems existing in the investment and operation of the pension insurance personal account. Furthermore, it analyzes the restricting factors and the necessity of diversification investment in the personal account fund of endowment insurance in China. Thirdly, the paper compares the investment and operation methods of the typical national endowment insurance personal account fund in foreign countries, and analyzes and summarizes the enlightenment of the foreign practical experience to China. Finally, on the basis of this, the paper puts forward the strategies to improve the investment and operation of the pension insurance personal account fund, including the basic principles of the fund investment. The feasible choice of the operation mode of the pension insurance personal account fund in China and the key measures to realize the maintenance and increment of the pension insurance individual account fund. It provides a theoretical idea for the effective investment and operation of the pension insurance personal account fund in the future.
【学位授予单位】：河北大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.67

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