新型农村养老保险基金保值增值研究
发布时间：2019-02-22 17:49
【摘要】：我国是一个农村人口众多的国家。由于历史的原因，，长期处在城乡二元经济结构中，农村经济的发展落后于城市的经济发展，农村老年人的社会生活保障主要依靠传统的宗法关系来维持。随着新农保试点工作的全面展开，农村社会养老保险事业发展到了一个新的里程碑。论文紧紧围绕新农保基金保值增值这一核心问题来分析研究，论述了新农保基金管理、投资渠道、市场化运营模式以及面临的贬值风险。目前新农保基金的管理过重强调安全，而不重视收益，以至于新农保基金保值增值模式单一、收益不高，新农保基金自身面临严重的通货膨胀引起的新农保基金贬值风险，揭示出通货膨胀是新农保基金贬值的主要原因。分析国外养老保险基金的保值增值模式，为解决新农保基金保值增值问题提供模式上的借鉴，根据新农保基金的性质来建立新农保基金运营管理激励模型，并且详述投资组合的优点。最后提出解决新农保基金保值增值难题的管理投资运营模式，具体包括：农村专业合作社模式、建立新农保基金全国理事会模式、成立新型农村养老保险银行模式。短期内，由于新农保基金的规模不是很大，采用农村专业合作社模式，而长期来看，由于新农保基金数量的不断积累，规模不断扩大应该采用成立新型农村养老保险银行模式和建立新农保基金全国理事会模式。
[Abstract]:China is a country with a large rural population. Because of the historical reasons, the development of rural economy lags behind the development of urban economy, and the social life security of the rural elderly mainly depends on the traditional patriarchal relationship to maintain. With the development of the new rural insurance pilot project, the rural social endowment insurance has developed to a new milestone. This paper focuses on the core problem of maintaining and increasing the value of the new rural insurance fund, and discusses the management of the new rural insurance fund, the investment channel, the market-oriented operation mode and the depreciation risk. At present, the management of the new rural insurance fund is too heavy on security, but not on the income, so that the new rural insurance fund is facing the risk of depreciation of the new rural insurance fund caused by serious inflation, because of the single mode of maintaining and increasing the value of the new rural insurance fund and the low return. Revealed that inflation is the main reason for the depreciation of the new rural insurance fund. In order to solve the problem of maintaining and increasing the value of the new rural insurance fund, the paper analyzes the mode of maintaining and increasing the value of pension insurance fund abroad, and establishes the incentive model of the new rural insurance fund according to the nature of the new rural insurance fund. And detail the advantages of the portfolio. Finally, the paper puts forward the management investment operation mode to solve the problem of maintaining and increasing the value of the new rural insurance fund, including: the rural specialized cooperative mode, the establishment of the national council model of the new rural insurance fund, and the establishment of the new rural old-age insurance bank model. In the short term, because the size of the new rural insurance fund is not very large, the rural specialized cooperative model is adopted, and in the long run, due to the continuous accumulation of new rural insurance funds, The new rural old-age insurance bank model and the new rural insurance fund national council model should be adopted in the continuous expansion of the scale.
【学位授予单位】：黑龙江八一农垦大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F323.89;F842.67
本文编号：2428456
[Abstract]:China is a country with a large rural population. Because of the historical reasons, the development of rural economy lags behind the development of urban economy, and the social life security of the rural elderly mainly depends on the traditional patriarchal relationship to maintain. With the development of the new rural insurance pilot project, the rural social endowment insurance has developed to a new milestone. This paper focuses on the core problem of maintaining and increasing the value of the new rural insurance fund, and discusses the management of the new rural insurance fund, the investment channel, the market-oriented operation mode and the depreciation risk. At present, the management of the new rural insurance fund is too heavy on security, but not on the income, so that the new rural insurance fund is facing the risk of depreciation of the new rural insurance fund caused by serious inflation, because of the single mode of maintaining and increasing the value of the new rural insurance fund and the low return. Revealed that inflation is the main reason for the depreciation of the new rural insurance fund. In order to solve the problem of maintaining and increasing the value of the new rural insurance fund, the paper analyzes the mode of maintaining and increasing the value of pension insurance fund abroad, and establishes the incentive model of the new rural insurance fund according to the nature of the new rural insurance fund. And detail the advantages of the portfolio. Finally, the paper puts forward the management investment operation mode to solve the problem of maintaining and increasing the value of the new rural insurance fund, including: the rural specialized cooperative mode, the establishment of the national council model of the new rural insurance fund, and the establishment of the new rural old-age insurance bank model. In the short term, because the size of the new rural insurance fund is not very large, the rural specialized cooperative model is adopted, and in the long run, due to the continuous accumulation of new rural insurance funds, The new rural old-age insurance bank model and the new rural insurance fund national council model should be adopted in the continuous expansion of the scale.
【学位授予单位】：黑龙江八一农垦大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F323.89;F842.67
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