本文選題：基本養(yǎng)老保險基金　切入點：投資運營　出處：《對外經(jīng)濟貿(mào)易大學》2014年碩士論文　論文類型：學位論文

【摘要】：養(yǎng)老保險是一項重要的社會保障制度，養(yǎng)老金的實際價值關(guān)系公民退休待遇切身利益。在我國，基本養(yǎng)老保險發(fā)揮著最重要的基礎保障作用，，是我國養(yǎng)老保險體系的主體。為確保基金安全以及考慮市場發(fā)展不成熟等原因，一直以來基本養(yǎng)老保險基金只限于存入銀行或購買國債，收益率低，甚至跑不過CPI。特別是隨著人口老齡化進程加快，基本養(yǎng)老保險基金保值增值問題越來越受到關(guān)注，社會上討論也越來越多。一種觀點認為，必須通過市場化投資，以提高基金的投資收益。另一種觀點認為，基本養(yǎng)老保險基金性質(zhì)特殊，必須確保安全，市場化投資有風險，應務必慎重。本文力圖回答基本養(yǎng)老保險基金該不該投資運營、如何投資運營這個問題。 目前，對養(yǎng)老金保值增值的討論很多，但是討論對象的范圍還不是很清楚、借鑒國外經(jīng)驗存在錯位現(xiàn)象。比如，有的將基本養(yǎng)老保險基金與全國社會保障基金、企業(yè)年金等混淆，有的把我國基本養(yǎng)老保險與美國雇主養(yǎng)老金401K計劃等進行對比。本文認為，應從一國養(yǎng)老保險體系出發(fā)，對體系中某個養(yǎng)老保險項目，要以分析其制度性質(zhì)、發(fā)揮作用等為基礎，進行有針對性的具體研究。 本文從我國養(yǎng)老保險體系出發(fā)，界定了基本養(yǎng)老保險基金的范圍，明確其強制性養(yǎng)老保險性質(zhì)，將其與全國社會保障基金、企業(yè)年金既區(qū)分又聯(lián)系起來，既有針對性又有比較地進行研究。瑞典、美國、新加坡、智利等國家養(yǎng)老保險體系及其基金投資運營特點鮮明，本文通過比較分析，找出國外強制性養(yǎng)老保險基金投資運營的一些做法和規(guī)律，結(jié)合我國實際，分析目前基本養(yǎng)老保險基金投資運營存在的問題，提出實行市場化、多元化投資的思路，提出發(fā)行基本養(yǎng)老保險統(tǒng)籌基金專項國債、國債資金和個人賬戶投資運營范圍以及相對集中的投資運營管理模式等建議。當前，國家正在制定基本養(yǎng)老保險投資運營辦法，本文有關(guān)思路可以提供參考。
[Abstract]:The pension insurance is an important social security system, the actual value of the pension relates to the vital interests of the citizen's retirement treatment. In our country, the basic old-age insurance plays the most important basic protection role. It is the main body of the pension insurance system in our country. In order to ensure the safety of the fund and consider the immature development of the market, the basic pension insurance fund has always been limited to deposit in the bank or purchase the national debt, and the rate of return is low. Especially as the process of aging the population accelerates, the issue of maintaining and increasing the value of basic pension insurance funds has received more and more attention, and there has been more and more discussion in society. One view is that we must invest through marketization. In order to improve the investment income of the fund, another view is that the basic pension fund is special in nature, it must be safe, the investment in the market should be risky, and we should be careful. This paper tries to answer whether the basic pension insurance fund should invest in operation or not. How to invest in the operation of the problem. At present, there are a lot of discussions on maintaining and increasing the value of pensions, but the scope of the discussion is not very clear. For example, some people will have basic pension insurance funds and national social security funds. Some people compare the basic old-age insurance of our country with the 401K plan of the American employer's pension. This paper holds that we should start from the pension insurance system of a country, and analyze the nature of a certain pension insurance project in the system. Play a role on the basis of specific targeted research. Starting from the endowment insurance system of our country, this paper defines the scope of the basic pension insurance fund, clarifies the nature of its compulsory endowment insurance, distinguishes it with the national social security fund and the enterprise annuity. Sweden, the United States, Singapore, Chile and other countries pension insurance system and its fund investment and operation characteristics are distinct, this paper through comparative analysis, This paper finds out some practices and rules of investment and operation of foreign compulsory pension insurance funds, analyzes the problems existing in the investment and operation of basic pension insurance funds in China, and puts forward the idea of marketization and diversification of investment. Suggestions are put forward for issuing special treasury bonds, investment and operation scope of national debt funds and personal accounts, and relatively centralized investment and operation management models for basic pension insurance funds. At present, the state is formulating measures for the investment and operation of basic old-age insurance. The relevant ideas in this paper can be used for reference.
【學位授予單位】：對外經(jīng)濟貿(mào)易大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F842.67

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