西部地区城乡居民养老保险制度运行风险管理研究

发布时间：2018-03-18 06:48

本文选题：西部地区　切入点：城乡居保　出处：《西北大学》2016年硕士论文　论文类型：学位论文

【摘要】：社会保障是现代国家一项基本的社会经济制度,是社会安定的重要保障,也是社会文明进步的重要标志,其中城乡居民养老保险虽起步较晚但覆盖面广阔,对于我国社会保障的健全发展意义重大。西部地区经济社会发展较为落后,城乡居民养老保险制度的作用重要且特色明显,对其制度风险进行分析识别从而建立风险预警体系,对西部地区城乡居民养老保险制度的可持续发展乃至全国城乡居民养老保险制度的发展完善意义重大。本文从风险管理的角度系统的研究西部地区城乡居民养老保险,以风险管理的程序为推进思路,对西部地区城乡居民养老保险制度中面临的风险进行识别、测度、控制；以社会保险的制度运行流各环节为细分研究对象,对西部地区城乡居民养老保险资金筹集环节、投资运营环节、给付环节分别进行风险管理研究。本文通过定性分析与定量分析相结合的方法,搜集分析统计年鉴及官方报告中的数据得出结论,西部地区由于经济欠发达,居民收入水平相对较低且地方政府财政薄弱,因此在筹资环节风险较大。在投资运营环节及给付环节则与东部及中部基本都面临一样的风险,即基本安全性及收益性风险、操作风险与道德风险。在此基础上针对性地提出了风险控制的相关方法。
[Abstract]:Social security is a basic social and economic system in a modern country, an important guarantee of social stability and an important symbol of the progress of social civilization. Although the old-age insurance for urban and rural residents started relatively late, it has a broad coverage. It is of great significance for the sound development of social security in our country. The economic and social development of the western region is relatively backward, and the function and characteristics of the urban and rural residents' endowment insurance system are very important and distinct. The system risk is analyzed and identified to establish a risk warning system. It is of great significance for the sustainable development of urban and rural residents' endowment insurance system in the western region and the development and perfection of the national urban and rural residents' endowment insurance system. This paper systematically studies the urban and rural residents' pension insurance in the western region from the perspective of risk management. Based on the risk management procedure, the paper identifies, measures and controls the risks faced by urban and rural residents in the western region, and takes the running flow of social insurance system as the research object. This paper studies the risk management of the raising link of endowment insurance fund, the link of investment and operation, and the link of payment of endowment insurance in western region. This paper combines qualitative analysis with quantitative analysis. Collecting and analyzing the data in the statistical yearbook and the official report, it is concluded that due to the underdevelopment of the economy in the western region, the level of residents' income is relatively low and the local government finances are weak. Therefore, in the financing link, the risk is greater. In the investment, operation and payment links, the risk is basically the same as that in the east and the central part, that is, the basic risk of security and profitability. On the basis of this, the related methods of risk control are put forward.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F842.67

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