高等教育助学贷款——养老保险基金投资的新思路

发布时间：2018-03-29 04:04

本文选题：养老基金　切入点：投资　出处：《江西财经大学学报》2017年05期

【摘要】：传统投资渠道的局限性导致我国基本养老保险基金面临巨大的保值增值压力。研究发现,除政府主导的助学贷款计划以外,由养老基金提供高等教育助学贷款不仅与其安全性、长期性和收益性的投资原则相契合,而且能够带来劳动者高等教育机会公平和生命周期消费资源配置效率的双重改进。通过测算并对比高中学历与大专、本科及研究生学历劳动者的工资收入及个人账户养老金水平,发现由养老基金向高中学历劳动者提供高等教育助学贷款可以显著提高其劳动工资和个人账户养老金,而且资助的教育程度越高,工资和养老金的增加就越明显。基于此,建议发展养老基金作为政府高等教育助学贷款计划的补充,并放开申请人的身份限制、适当提高贷款额度。
[Abstract]:The limitation of the traditional investment channel causes the basic endowment insurance fund in our country to face the enormous pressure of keeping value and increasing the value. The study finds that, in addition to the government-led student loan scheme, it is not only safe for the pension fund to provide the higher education student loan, but also for the pension fund to provide the higher education student loan. The long-term and profitable investment principles are consistent with each other, and can bring about a double improvement in the equity of higher education opportunities of workers and the efficiency of resource allocation in the life cycle. The salary income and the level of personal account pension of undergraduate and graduate degree workers, it is found that higher education loans provided by pension funds to senior high school graduates can significantly increase their labor wages and personal account pensions. And the higher the educational level, the more obvious the increase of salary and pension. Therefore, it is suggested to develop the pension fund as a supplement to the government's higher education loan program, and to liberalize the applicant's status limit and appropriately increase the loan quota.
【作者单位】：北京化工大学文法学院;武汉大学社会保障研究中心;
【基金】：教育部人文社会科学研究规划基金项目“基础养老金全国统筹的实施路径及影响研究——基于购买力平价指数的养老金精算平衡”(17YJA630054) 国家建设高水平大学公派研究生(联合培养博士生)项目
【分类号】：F832.479;F842.67

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