社会养老保险基金个人账户投资运营法律问题研究
发布时间：2018-12-10 07:48
【摘要】：社会养老保险基金个人账户基金作为社会养老保险基金中重要的组成部分，，是支撑社会养老保险制度的经济资源，也是社会养老保险制度得以稳步运行的物质基础，其能否安全运行关系到我国社会保障事业的成功，也关系到国家稳定和经济安全。2012年4月份人力资源和社会保障部表示人社部将会同有关部门继续对养老保险基金的投资运营模式、管理机制、政策措施等进行深入研究，抓紧制定基本养老保险基金投资管理办法，促进基金保值增值，维护广大参保人的切身权益。这无疑是养老保险基金投资多元化的一个信号。个人账户作为社会养老保险基金中最具有活力和灵活性的基金，其投资运营与监管相关法律问题亟待规范。从个人账户基金的性质、特点入手，分析适应个人账户基金性质与特点的投资运营模式及相应的法律监管制度。反观我国个人账户基金监管立法滞后、监管分散化，管理机构独立性不强和行政监管职能不清的现实，并考虑到金融体系系统性风险、信息不对称带来的风险和道德风险等严峻挑战，明确了各主体的权利义务；同时考虑到我国现实的金融环境，监管模式在现阶段应选择严格限量监管，并从投资运营模式的选择上以及融资机构的准入条件上具体对个人账户基金的投资运营进行监管限制，最后从完善法规的方面对个人账户基金的投资运营监管进行法律体系方面的完善。
[Abstract]:As an important part of the social pension insurance fund, the personal account fund of the social pension insurance fund is the economic resource to support the social endowment insurance system, and it is also the material foundation for the steady operation of the social pension insurance system. Its safe operation is related to the success of social security in our country. It is also related to national stability and economic security. In April 2012, the Ministry of Human Resources and Social Security said that the Ministry of Human Resources and Social Security, together with relevant departments, would continue to conduct in-depth studies on the investment and operation mode, management mechanism, policy and measures of pension insurance funds. We should formulate measures for the investment management of basic pension insurance funds, promote the maintenance and increase of the value of funds, and safeguard the immediate rights and interests of the broad masses of insured persons. This is undoubtedly a signal that endowment insurance fund investment diversification. As the most dynamic and flexible fund in the social pension insurance fund, the personal account needs to be regulated urgently. Starting with the nature and characteristics of the personal account fund, this paper analyzes the investment operation mode and the corresponding legal supervision system adapted to the nature and characteristics of the individual account fund. On the contrary, the legislation of personal account fund in our country is lagging behind, the supervision is decentralized, the independence of management organization is not strong and the function of administrative supervision is not clear, and considering the systemic risk of financial system, The severe challenges of information asymmetry, such as risk and moral hazard, make clear the rights and obligations of each subject; At the same time, considering the real financial environment in our country, the regulatory model should be strictly limited at this stage. And from the choice of the investment operation mode and the access conditions of the financing institution, the supervision and restriction of the investment and operation of the personal account fund are carried out. In the end, we perfect the legal system of the investment and operation supervision of personal account fund from the aspect of perfecting the regulations.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.67;D922.182.3
本文编号：2370233
[Abstract]:As an important part of the social pension insurance fund, the personal account fund of the social pension insurance fund is the economic resource to support the social endowment insurance system, and it is also the material foundation for the steady operation of the social pension insurance system. Its safe operation is related to the success of social security in our country. It is also related to national stability and economic security. In April 2012, the Ministry of Human Resources and Social Security said that the Ministry of Human Resources and Social Security, together with relevant departments, would continue to conduct in-depth studies on the investment and operation mode, management mechanism, policy and measures of pension insurance funds. We should formulate measures for the investment management of basic pension insurance funds, promote the maintenance and increase of the value of funds, and safeguard the immediate rights and interests of the broad masses of insured persons. This is undoubtedly a signal that endowment insurance fund investment diversification. As the most dynamic and flexible fund in the social pension insurance fund, the personal account needs to be regulated urgently. Starting with the nature and characteristics of the personal account fund, this paper analyzes the investment operation mode and the corresponding legal supervision system adapted to the nature and characteristics of the individual account fund. On the contrary, the legislation of personal account fund in our country is lagging behind, the supervision is decentralized, the independence of management organization is not strong and the function of administrative supervision is not clear, and considering the systemic risk of financial system, The severe challenges of information asymmetry, such as risk and moral hazard, make clear the rights and obligations of each subject; At the same time, considering the real financial environment in our country, the regulatory model should be strictly limited at this stage. And from the choice of the investment operation mode and the access conditions of the financing institution, the supervision and restriction of the investment and operation of the personal account fund are carried out. In the end, we perfect the legal system of the investment and operation supervision of personal account fund from the aspect of perfecting the regulations.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.67;D922.182.3
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本文编号：2370233
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