论我国养老保险基金投资监管法律制度的完善

发布时间：2018-04-01 13:05

本文选题：养老保险　切入点：基金投资　出处：《吉林财经大学》2013年硕士论文

【摘要】：我国现在的养老保险制度正处于发展阶段，随着我国经济的快速发展，人们对养老生活水平的要求已经提高到了一个新的层次，这就要求我们完善现有的养老保险制度，尤其是养老保险基金投资监管法律制度的完善。其在改革过程中存在各式各样的问题，现如今我国已经进入老龄化国家的行列，养老保险基金在投资管理方面的压力也越来越大。目前在我国侵犯养老保险基金投资管理的事件频频发生，损害了养老保险基金的保值增值和养老保险参保人员的利益以及社会生活的稳定和养老保险基金的安全性，这都是由于不规范的投资市场，不健全的监管制度，缺乏相应的监管经验所造成的。所以，为了杜绝投机行为的出现，确保养老保险基金的安全性和养老保险基金的保值和增值，满足到期支付的需要，就必须对养老保险的投资进行必要的监管。本文对我国养老保险基金投资监管法律制度的研究主要从养老保险基金投资及其监管的概述、我国养老保险基金投资监管法律制度现状及存在的问题、国外养老保险基金投资方面的相关法律制度以及完善我国养老保险基金投资监管法律制度的具体建议四个方面进行。从养老保险基金监管的主要内容可以看出，主要包括基金监管模式的选择、监管手段以及基金投资渠道等，之所以要对养老保险基金进行监管，主要原因在于养老保险基金的重要性，对退休者的生活来源给予物质保障。在这方面，西方发达国家在养老保险基金的监管方面积累了比较丰富的经验，本文试图通过对国外几个比较先进的养老保险基金投资监管制度的国家进行分析，吸取国外先进经验，结合我国基金监管的实际现状，分析出我国养老保险基金投资监管制度存在的问题，建立一个适合我国国情的，层次分明，结构清晰合理，，权责明确的养老保险基金投资监管法律体系，以确保我国养老保险基金的健康可持续发展以及推动我国的经济发展和维护社会的稳定。本文采用理论和实证研究相结合、比较分析等方法，由于篇幅有限，文献资料较少，笔者总结前人的研究经验，着重分析我国养老保险基金投资监管在立法方面的不足，全面详细地对完善我国养老保险基金投资监管相关法律制度的必要性进行说明，借鉴和总结国际经验，对我国养老保险基金投资监管在立法方面提出具体的制度建议，希望在我国建立一个稳固的、严密的养老保险基金监管法律体系。笔者希望能够在建立的监管体系中，建立包括政府监管、专门监管以及中介机构的外部监管的多层次的监管体系，各监管部门都能够相互协调配合，各尽其责，相互协调合作，形成对养老保险基金的切实保护，达到保证基金保值增值目的，实现养老保险基金投资良性运转。
[Abstract]:Now the endowment insurance system in China is in a stage of development, with the rapid development of China's economy, demand for old-age living standards have been improved to a new level, which requires us to improve the existing old-age insurance system, especially to improve the legal system of the supervision of pension fund investment. The existence of every kind of the problems in the process of reform, now our country has entered the ranks of aging countries, pension fund investment management more and more pressure. The current violations of pension fund investment management in our country the events occur frequently, damage to the safety of endowment insurance fund and pension insurance personnel the interests and the stability of social life and the pension insurance fund, this is due to irregularities in the investment market, the imperfect supervision system, lack of supervision experience Therefore, in order to prevent the emergence of speculative behavior and ensure the safety and endowment insurance fund's value and value, and to meet the need of payment at maturity, we must make necessary supervision on the investment of pension insurance.
An overview of the main from the pension insurance fund investment and supervision of the legal system of the supervision of Chinese pension insurance fund investment, the status quo of China's legal system of endowment insurance fund supervision and the problems of the four aspects of the relevant legal system of foreign pension fund investment and improve China's pension fund investment supervision legal system specific suggestions. From the main content of endowment insurance fund supervision can be seen, including the choice of fund supervision mode, supervision means and fund investment channels, the reason for the supervision of the pension insurance fund, the main reason lies in the importance of the endowment insurance fund, the retirement life giving source material security. In this respect, western developed countries have accumulated rich experience in the endowment insurance fund supervision, this paper tries to state several A more advanced pension fund investment supervision system state analysis, absorb advanced foreign experience, combined with the actual situation of China's fund supervision, analyzed the problems of China's pension fund investment supervision system, the establishment of a suitable for China's national conditions, the level of clear, clear and reasonable structure, clear responsibilities of the pension the investment of insurance fund supervision legal system, to ensure that the endowment insurance fund in China's healthy and sustainable development and promoting China's economic development and maintain social stability.
This paper uses a combination of theoretical and empirical research, comparative analysis and other methods, due to limited space, little documentation, the author summarizes previous research experience, focuses on the analysis of deficiency of China's pension fund investment supervision in terms of legislation, in detail the necessity of perfecting the endowment insurance fund investment and supervision of the relevant legal system of description, reference and summary of international experience of China's pension fund investment supervision system puts forward concrete suggestions in terms of legislation in our country, hope to establish a solid, rigorous pension fund supervision legal system. The author hopes to establish the supervision system, including the establishment of government supervision, external supervision of special supervision and the agency's multi-level supervision system, the regulatory authorities are able to coordinate with each other, their duties, mutual coordination and cooperation, the formation of basic endowment insurance The effective protection of gold to ensure the purpose of guaranteeing the value and value of the fund and realizing the benign operation of the endowment insurance fund investment.

【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.182.3;D922.28

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