本文選題：養(yǎng)老保險 + 養(yǎng)老保險基金��； 參考：《湖南大學》2012年碩士論文

【摘要】：養(yǎng)老保險是保障老年人基本生活需要的一種社會保障制度,有助于實現(xiàn)人們“老有所依”的愿景。我國正處于社會主義初階段,經(jīng)濟欠發(fā)達,人口又多,人口老年化趨勢明顯,養(yǎng)老負擔加重。這就要求我們對養(yǎng)老保險進行有效投資來實現(xiàn)增值,以緩解日益嚴重的養(yǎng)老金支付壓力。由于養(yǎng)老保險基金的特殊性,對養(yǎng)老保險基金進行有效投資時,要保證養(yǎng)老金的安全營運,這就需要對養(yǎng)老基金投資營運進行有效監(jiān)管。 我國目前很多地方出現(xiàn)了社保基金被侵占挪用,我國養(yǎng)老保險監(jiān)管存在嚴重的漏洞。養(yǎng)老基金行政監(jiān)管與業(yè)務管理職責不明確、養(yǎng)老保險基金社會監(jiān)督主體缺位、監(jiān)管立法落后、信息化建設滯后、專業(yè)素質(zhì)管理人才的缺乏,這些主要是由于養(yǎng)老保險基金監(jiān)管模式的不合理,嚴重地制約著我國養(yǎng)老保險事業(yè)的發(fā)展。因此,借鑒國外各典型國家養(yǎng)老保險基金的投資監(jiān)管經(jīng)驗,結(jié)合我國的實際情況和社會養(yǎng)老保險基金投資監(jiān)管的原則：依法監(jiān)管原則、合理監(jiān)管原則、適度監(jiān)管原則、有效監(jiān)管原則來選擇我國養(yǎng)老保險基金投資監(jiān)管模式。在監(jiān)管模式上,提出多元化的養(yǎng)老金監(jiān)管模式和數(shù)量限制監(jiān)管與審慎人相結(jié)合的混合監(jiān)管模式,對我國的養(yǎng)老保險基金的發(fā)展具有重要意義。
[Abstract]:Endowment insurance is a kind of social security system to protect the basic living needs of the elderly, which helps to realize people's vision of "having something to rely on".Our country is in the early stage of socialism, the economy is underdeveloped, the population is large, the aging trend of population is obvious, and the burden of the aged is increasing.This requires us to effectively invest in pension insurance to achieve value-added to ease the increasing pressure on pension payments.Because of the particularity of pension insurance fund, it is necessary to supervise the investment operation of pension fund effectively to ensure the safe operation of pension fund.At present, social security funds have been embezzled and misappropriated in many places in China, and there are serious loopholes in the supervision of pension insurance in our country.The responsibilities of pension fund administrative supervision and business management are not clear, the main body of social supervision of pension insurance fund is absent, the supervision legislation is backward, the information construction is lagging behind, and the professional quality management talent is lacking.These are mainly due to the unreasonable supervision mode of endowment insurance fund, which seriously restricts the development of endowment insurance in our country.Therefore, drawing lessons from the investment supervision experience of various typical countries, combining the actual situation of our country and the principles of social endowment insurance fund investment supervision: the principle of supervision according to law, the principle of reasonable supervision, the principle of moderate supervision,The effective supervision principle chooses our country endowment insurance fund investment supervision pattern.On the regulatory model, it is of great significance for the development of the pension insurance fund in China to put forward the diversified pension supervision model and the mixed supervision mode of the combination of the quantitative restriction supervision and the prudent person.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F842.67;F832.51

【參考文獻】

相關(guān)期刊論文 前10條

1 李香允;對我國基本養(yǎng)老保險基金投資運營問題的思考[J];北京農(nóng)業(yè)職業(yè)學院學報;2004年04期

2 張麗華;社�；鸬亩嘣顿Y與風險控制[J];山東工商學院學報;2004年03期

3 余筱箭,郭楊;養(yǎng)老保險基金的資本市場投資分析[J];財經(jīng)科學;2003年01期

4 章萍;嚴運樓;;政府在養(yǎng)老保險基金監(jiān)管中的定位[J];財經(jīng)科學;2008年06期

5 李連友;論利益分化對我國養(yǎng)老保險制度變遷的影響[J];財經(jīng)理論與實踐;2000年01期

6 張琳,王慧萍;論我國養(yǎng)老保險基金的投資與監(jiān)管[J];財經(jīng)理論與實踐;2005年03期

7 王文靈;;論公共養(yǎng)老基金的治理結(jié)構(gòu)[J];中國司法;2008年03期

8 莫文祥;巨額養(yǎng)老基金隱性債務該由誰來償還[J];當代經(jīng)濟;2004年04期

9 謝玲,葉飛;對我國養(yǎng)老保險制度改革的制度經(jīng)濟學分析[J];市場論壇;2004年09期

10 喬慶梅;社�；鹬械奈写黻P(guān)系[J];經(jīng)濟論壇;2004年02期

，

本文編號：1758752