企业年金投资运营问题研究

发布时间：2018-04-11 02:33

本文选题：企业年金 + 投资运营　；参考：《西南交通大学》2017年硕士论文

【摘要】：企业年金实际上就是一种养老保障,因此在一些地方也叫做私人养老金计划或者是职业年金等,这种保险缴纳方式是目前世界上很多国家为他们的国民在退休之后所提供的一种很好的生活保障方式。这种制度在西方一些发达国家已经实行了很多年,但是对于我国来说,这实际上仍然是一种比较新颖的保险制度,一直到上个世纪的90年代才真正被重视起来。由此形成了我国的基本社会保障体系,这个体系当中就要求,对于企业的员工养老保险来说一共由三个方面共同组成:一种是社会基本养老保险;一种是企业年金;另外一种是个人储蓄养老保险,从中也可以看出,对于企业年金来说,它是整个养老保障体系当中的第二个层次,也占据着非常重要的位置。本文的主要研究内容就是企业年金的投资运营情况及模式,文中首先介绍了关于我国企业年金在进行投资管理过程当中的一些基本理论;并结合当前我国企业年金管理行业的实际运营情况深入介绍中国企业年金投资运营模式,以此为基础进行目前我国企业年金管理现状分析,由点及面推及整个企业年金管理行业发展现状及问题。并且对企业年金进行投资和管理过程中的发展现状做出了相应评价,结合风险管理理论对企业年金投资运营发展过程中遇到的问题以及产生这些问题的原因进行了深入解析。最后根据这些问题和原因,立足我国人社部、保监会的一系列监管法律法规借鉴国外一些发达国家已经形成的比较成熟和先进的投资管理模式提出了不同层次的改进措施与建议。本文在研究的过程当中比较充分的利用了当前主流的投资理论将这些理论和我国的企业年金投资管理实际相结合,理论联系实际选取企业年金行业发展数据进行介绍与定量分析,结合风险管理角度从企业年金行业角度提出更加具有针对性、真正能够解决问题的一些措施,具有研究参考价值。
[Abstract]:Enterprise annuity is actually a kind of old-age security, so in some places it is also called private pension plan or occupational pension, etc.This insurance payment is a good way of life for their citizens after retirement in many countries around the world.This system has been implemented for many years in some developed countries in the west, but it is still a relatively new insurance system for our country. It was not really paid attention to until the 1990s of last century.Therefore, the basic social security system of our country is formed. In this system, the employee pension insurance is composed of three aspects: one is social basic old-age insurance, the other is enterprise annuity.The other is the personal savings pension insurance, from which we can see, for the enterprise annuity, it is the second level of the entire pension system, also occupies a very important position.The main research content of this paper is the investment operation situation and mode of enterprise annuity. Firstly, this paper introduces some basic theories of enterprise annuity in the process of investment management in our country.Combined with the actual operation situation of China's enterprise annuity management industry, this paper deeply introduces the investment and operation mode of Chinese enterprise annuity, and analyzes the present situation of China's enterprise annuity management on the basis of the analysis of the current situation of Chinese enterprise annuity management.From point and face to the whole enterprise annuity management industry development status and problems.It also evaluates the current situation of enterprise annuity investment and management process, and analyzes the problems encountered in the process of investment and development of enterprise annuity and the causes of these problems in combination with risk management theory.Finally, according to these problems and reasons, based on the Ministry of people's and Social Affairs of our country,A series of regulatory laws and regulations of CIRC draw lessons from the more mature and advanced investment management models of some developed countries and put forward some improvement measures and suggestions at different levels.In the course of the research, this paper makes full use of the current mainstream investment theory to combine these theories with the actual situation of enterprise annuity investment management in our country.Combining theory with practice, this paper introduces and quantitatively analyzes the development data of enterprise annuity industry, and puts forward some measures from the angle of risk management, which are more pertinent and can solve the problem.It has the research reference value.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.6

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