我国养老金运营问题研究
发布时间：2018-08-20 18:21
【摘要】：在当前的形势下，我国面临着严重的人口老龄化趋势，是否能够让每一个退休人员都能够及时按月领取养老金，这就对整个养老金系统带来了严峻的挑战。基于这样的背景，如何对养老金实行科学合理的运营，如何更好地实现养老基金的保值增值，，便成为了一个刻不容缓的课题。 本研宄对我国养老基金的运营现状进行分析，并发现问题。同时对国外成熟的养老基金运营模式进行研宄，力求发掘出值得我国借鉴的政策与方法。通过把握养老金运营的国际趋势，与我国具体国情相结合，为解决我国养老金运营中存在的问题，提出对策建议，使养老基金能够更好地提高盈利率。全面而透彻地分析养老基金运营过程中的政府角色，以及政府委托投资的投资组合与投资渠道；采用实证分析法对具体的运营策略进行分析。对数据进行全面处理，证明投资组合的方式才是最适合我国国情的养老金运营模式。 对完善我国养老基金运营的建议，包括：第一，减少社保基金理事会的直接投资。第二，拓宽投资渠道。第三，逐步稳妥提高海外投资比重。第四，健全监管体系。
[Abstract]:Under the current situation, our country faces the serious population aging tendency, whether can let every retiree receive the pension by the month in time, this has brought the severe challenge to the entire pension system. Based on this background, how to carry out scientific and reasonable operation of pension and how to better maintain and increase the value of pension funds has become an urgent issue. This study analyzes the current situation of pension fund operation in China, and finds out the problems. At the same time, the mature operation mode of pension fund abroad is studied to find out the policies and methods worthy of our country's reference. Through grasping the international trend of pension operation and combining with the specific conditions of our country, this paper puts forward some countermeasures and suggestions to solve the problems existing in the operation of pension in our country, so that the pension fund can raise the profit rate better. Comprehensive and thorough analysis of the role of the government in the operation of pension funds, as well as the investment portfolio and investment channels commissioned by the government, and the use of empirical analysis to analyze the specific operation strategies. The comprehensive processing of the data proves that the mode of investment portfolio is the most suitable for the national conditions of our country pension operation mode. The suggestions to improve the operation of pension fund include: first, to reduce the direct investment of social security fund board. Second, broaden investment channels. Third, gradually and steadily increase the proportion of overseas investment. Fourth, improve the regulatory system.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.6
本文编号：2194570
[Abstract]:Under the current situation, our country faces the serious population aging tendency, whether can let every retiree receive the pension by the month in time, this has brought the severe challenge to the entire pension system. Based on this background, how to carry out scientific and reasonable operation of pension and how to better maintain and increase the value of pension funds has become an urgent issue. This study analyzes the current situation of pension fund operation in China, and finds out the problems. At the same time, the mature operation mode of pension fund abroad is studied to find out the policies and methods worthy of our country's reference. Through grasping the international trend of pension operation and combining with the specific conditions of our country, this paper puts forward some countermeasures and suggestions to solve the problems existing in the operation of pension in our country, so that the pension fund can raise the profit rate better. Comprehensive and thorough analysis of the role of the government in the operation of pension funds, as well as the investment portfolio and investment channels commissioned by the government, and the use of empirical analysis to analyze the specific operation strategies. The comprehensive processing of the data proves that the mode of investment portfolio is the most suitable for the national conditions of our country pension operation mode. The suggestions to improve the operation of pension fund include: first, to reduce the direct investment of social security fund board. Second, broaden investment channels. Third, gradually and steadily increase the proportion of overseas investment. Fourth, improve the regulatory system.
【学位授予单位】：东北师范大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.6
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