产权激励视角下个人养老资产投资管理研究

发布时间：2018-05-06 04:22

本文选题：产权 + 个人养老资产　；参考：《广西民族大学》2015年硕士论文

【摘要】：养老资产的培育和投资管理是为了积极应对当前和未来的深度老龄化的需要。由于我国养老保障制度设计的种种缺陷,促使个人需要储备更多的养老资产以备未来的老年风险。大多数参保人对我国养老保障体制中的养老产权关注较少,并且对社会保障产权意识比西方国家的要弱。产权引入养老保障体制中不仅能够更加激励劳动者积极工作和参保,还能够为国家养老保障制度的完善和其可持续性起着重要的支撑作用。为研究个人养老资产的投资管理,从生命周期假说理论,行为金融学投资心理和资产配置理论,产权理论的角度,分析我国当前个人养老资产投资管理的资产配置不合理和特有的空账运营;分析在改革过程中的责任转嫁和个人养老产权保护意识弱等问题;分析和借鉴国外养老资产投资管理,为我所用。在明晰个人养老资产的产权前提下,政府适当放权,优化资产配置,拓宽个人养老资产投资领域,增加与金融市场的积极互动,完善和规范其监管制度,有助于推进个人养老资产的保值与增值。对养老保障制度的可持续性具有重要的作用。
[Abstract]:The cultivation and investment management of pension assets is to actively meet the needs of the current and future deep aging. Because of the defects in the design of the old-age security system in China, individuals need to reserve more pension assets for the future risk of old age. Most of the participants pay less attention to the endowment property right in the pension security system of our country, and the consciousness of the property right of the social security is weaker than that of the western countries. The introduction of property rights into the old-age security system can not only encourage workers to work actively and participate in insurance, but also play an important role in supporting the improvement and sustainability of the national old-age security system. In order to study the investment management of personal endowment assets, from the perspective of life cycle hypothesis theory, behavioral finance theory of investment psychology and asset allocation theory, property rights theory, This paper analyzes the irrational allocation of assets and the special empty account operation in the investment management of individual endowment assets in our country, analyzes the problems in the process of reform, such as the transfer of responsibility and the weak consciousness of protecting the property right of the individual pension, and so on. Analyze and draw lessons from foreign endowment assets investment management, for my use. On the premise of clarifying the property rights of individual pension assets, the government should properly delegate power, optimize asset allocation, broaden the investment field of individual pension assets, increase the positive interaction with the financial market, and perfect and standardize its supervisory system. It helps to maintain and increase the value of personal endowment assets. It plays an important role in the sustainability of the old-age security system.
【学位授予单位】：广西民族大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D669.6

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