我国养老保险关系风险规避研究
发布时间：2019-05-06 09:03
【摘要】：我国的基本养老保险制度在建立之初由于历史的因素和制度自身的不完善,在新制度的推广和运行中产生了一系列的风险。按照风险的成因进行归类,可以分为内生风险、外生风险和衍生风险。内生风险包括：养老保险关系不平等引发社会动荡风险、养老保险关系不平等引发社会动荡风险、养老保险关系存续不持续带来管理主体碎片化风险、养老保险关系双方的心理风险。外生风险包括：人口老龄化与快速城镇化的并行风险、高失业率风险、自然灾害引发的不确定性风险。衍生风险包括：养老基金运行与管理引发的金融市场风险、养老保险关系单方非理性流动导致社会治理难度增加、养老保险关系非良性持续导致储蓄与消费的失衡风险、养老保险关系的非公平导致社会群体孤立与社会冷漠、养老保险关系代际公平引发的回避风险。 在养老保险关系的风险规避问题上,国内外有些可以共同借鉴的方式和做法。因此,文章在介绍国外养老保障制度在养老保险关系的风险规避的成功经验和做法的基础上,结合第二章对风险的归类与分组,提出具有针对性的风险规避策略。在内生风险规避上从建立公平平等的基本养老保险关系、建立完善的利益激励和约束机制、建立完善的信息管理和披露系统、“离土不离乡”分段累计式养老金计发方法、对养老金冒领的监管与规避等方面做了详细规避。在外生风险以及衍生风险的规避上从有条件有步骤的实施宽松的人口政策、实施对基金投资管理机构的寻租监管、积极的就业政策吸引与配套的养老制度契合、降低养老与医疗及失业等险种的关联度与连带程度、建立诚信文明的社会环境上做了详细的说明。
[Abstract]:At the beginning of the establishment of the basic endowment insurance system in China, due to the historical factors and the imperfection of the system itself, there are a series of risks in the promotion and operation of the new system. According to the causes of risk, it can be divided into endogenous risk, exogenous risk and derivative risk. Endogenous risks include: the inequality of the old-age insurance relationship causes the risk of social turbulence, and the unsustainable survival of the pension insurance relationship brings the risk of fragmentation of the management subject. Old-age insurance relates to the psychological risk of both sides. The exogenous risks include the concurrent risk of population aging and rapid urbanization, the high unemployment risk, and the uncertainty risk caused by natural disasters. The derivative risks include: the financial market risk caused by the operation and management of pension fund; the irrational flow of pension insurance relationship leads to the increase of social governance difficulty; the non-benign endowment insurance relationship leads to the unbalance risk of saving and consumption, which leads to the unbalance risk of saving and consumption. The unfair relationship of old-age insurance leads to social isolation and social apathy, and the evasive risk caused by inter-generational equity of endowment insurance relationship. There are some ways and practices that can be used for reference at home and abroad on the problem of risk aversion in the relationship of old-age insurance. Therefore, on the basis of introducing the successful experiences and practices of risk aversion in the relationship between the old-age insurance and the old-age insurance system abroad, and combining with the classification and grouping of the risks in the second chapter, this paper puts forward some targeted risk-aversion strategies. In the aspect of endogenous risk avoidance, we should establish fair and equal basic endowment insurance relationship, establish perfect interest incentive and restraint mechanism, establish perfect information management and disclosure system, and "do not leave the country without leaving the country". The supervision and circumvention of pension fraud have been circumvented in detail. In terms of circumvention of exogenous risk and derivative risk, we should implement loose population policy in a conditional and step-by-step manner, carry out rent-seeking supervision on fund investment management institutions, and attract positive employment policies to match with supporting pension system. It is explained in detail how to reduce the correlation and association between old-age and medical care and unemployment, and to establish a good faith and civilized social environment.
【学位授予单位】：青岛大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.67
本文编号：2470053
[Abstract]:At the beginning of the establishment of the basic endowment insurance system in China, due to the historical factors and the imperfection of the system itself, there are a series of risks in the promotion and operation of the new system. According to the causes of risk, it can be divided into endogenous risk, exogenous risk and derivative risk. Endogenous risks include: the inequality of the old-age insurance relationship causes the risk of social turbulence, and the unsustainable survival of the pension insurance relationship brings the risk of fragmentation of the management subject. Old-age insurance relates to the psychological risk of both sides. The exogenous risks include the concurrent risk of population aging and rapid urbanization, the high unemployment risk, and the uncertainty risk caused by natural disasters. The derivative risks include: the financial market risk caused by the operation and management of pension fund; the irrational flow of pension insurance relationship leads to the increase of social governance difficulty; the non-benign endowment insurance relationship leads to the unbalance risk of saving and consumption, which leads to the unbalance risk of saving and consumption. The unfair relationship of old-age insurance leads to social isolation and social apathy, and the evasive risk caused by inter-generational equity of endowment insurance relationship. There are some ways and practices that can be used for reference at home and abroad on the problem of risk aversion in the relationship of old-age insurance. Therefore, on the basis of introducing the successful experiences and practices of risk aversion in the relationship between the old-age insurance and the old-age insurance system abroad, and combining with the classification and grouping of the risks in the second chapter, this paper puts forward some targeted risk-aversion strategies. In the aspect of endogenous risk avoidance, we should establish fair and equal basic endowment insurance relationship, establish perfect interest incentive and restraint mechanism, establish perfect information management and disclosure system, and "do not leave the country without leaving the country". The supervision and circumvention of pension fraud have been circumvented in detail. In terms of circumvention of exogenous risk and derivative risk, we should implement loose population policy in a conditional and step-by-step manner, carry out rent-seeking supervision on fund investment management institutions, and attract positive employment policies to match with supporting pension system. It is explained in detail how to reduce the correlation and association between old-age and medical care and unemployment, and to establish a good faith and civilized social environment.
【学位授予单位】：青岛大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F842.67
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