【摘要】：銀發(fā)浪潮正席卷全球，依據(jù)聯(lián)合國社會進(jìn)入老齡化衡量標(biāo)準(zhǔn)，黑龍江已在2005年進(jìn)入老年社會，并且老齡化的發(fā)展趨勢明顯。人口老齡化勢必對黑龍江養(yǎng)老保險制度造成巨大壓力，加之黑龍江已經(jīng)做實養(yǎng)老保險個人賬戶，意味著未來的養(yǎng)老基金賬戶會有大規(guī)模的資金積累，如何應(yīng)對當(dāng)下養(yǎng)老金基金缺口，如何管理未來巨額基金結(jié)余，如何讓基金保值增值，是我們無法回避而必須面對的問題。養(yǎng)老保險基金的投資運營可以保證基金的保值，甚至實現(xiàn)基金的增值，可從黑龍江養(yǎng)老保險基金投資運營的現(xiàn)狀看，存在諸多問題，嚴(yán)重地影響基金投資運營的績效，因此，研究基金的投資運營問題顯得尤為重要。 首先，從概念上對養(yǎng)老保險基金投資運營進(jìn)行了界定，分析了國內(nèi)外養(yǎng)老基金運營現(xiàn)狀，提出本論文的研究內(nèi)容及方法。 其次，分別從基金的規(guī)模、基金的收支管理和基金的投資運營三方面，分析目前黑龍江養(yǎng)老保險基金投資運營現(xiàn)狀，深入剖析了制約投資運營的因素，提出基金運營中存在的問題癥結(jié)。并對國際幾個典型的國家養(yǎng)老保險基金投資運營情況進(jìn)行了比較研究，通過對基金投資運營發(fā)展趨勢的分析，提出黑龍江養(yǎng)老保險基金投資運營可借鑒的經(jīng)驗。結(jié)合黑龍江省情，運用決策系統(tǒng)理論對養(yǎng)老保險基金的投資運營問題進(jìn)行分析，從宏觀、微觀和決策選擇三個決策步驟來提高基金運營效率，其中，在決策選擇階段運用現(xiàn)代投資理論分析并設(shè)計了適合黑龍江養(yǎng)老基金的投資組合方案。 最后，從養(yǎng)老保險基金監(jiān)管角度提出黑龍江基金運營監(jiān)管措施，并借鑒內(nèi)部控制理論充實基金監(jiān)管內(nèi)容，提高監(jiān)管效率。
[Abstract]:The wave of silver hair is sweeping the whole world. According to the standard of the aging of the United Nations, Heilongjiang has entered the old society in 2005, and the trend of aging is obvious. The aging of the population is bound to cause tremendous pressure on the pension insurance system in Heilongjiang. In addition, Heilongjiang has already established individual accounts for old-age insurance, which means that there will be a large-scale accumulation of funds in the future pension fund accounts. How to deal with the current pension fund gap, how to manage the future huge fund balance, how to maintain and increase the value of the fund, is an unavoidable problem we must face. The investment and operation of the pension insurance fund can guarantee the preservation of the value of the fund, and even realize the appreciation of the fund. From the present situation of the investment and operation of Heilongjiang pension insurance fund, there are many problems, which seriously affect the performance of the fund's investment and operation. It is very important to study the investment and operation of the fund. Firstly, it defines the investment and operation of endowment insurance fund, analyzes the present situation of pension fund operation at home and abroad, and puts forward the research contents and methods of this paper. Secondly, from the three aspects of fund size, fund income and expenditure management and fund investment operation, the paper analyzes the present investment and operation status of Heilongjiang endowment insurance fund, and deeply analyzes the factors restricting the investment operation. This paper puts forward the crux of the problems in fund operation. This paper also makes a comparative study on the investment and operation of several typical national pension funds in the world, and puts forward the experience that can be used for reference in the investment and operation of Heilongjiang pension insurance funds through the analysis of the development trend of the investment and operation of the funds. According to the situation of Heilongjiang Province, this paper analyzes the investment and operation problems of pension insurance fund by using the theory of decision system, and improves the efficiency of fund operation from three decision-making steps: macro, micro and decision. In the decision-making stage, the paper analyzes and designs the investment portfolio scheme suitable for Heilongjiang pension fund by using modern investment theory. Finally, from the angle of pension insurance fund supervision, the paper puts forward the measures of Heilongjiang fund operation supervision, and uses internal control theory to enrich the fund supervision content and improve the supervision efficiency.
【學(xué)位授予單位】：哈爾濱工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F842.67

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 耿靖;;養(yǎng)老金制度構(gòu)架、市場發(fā)展與投資創(chuàng)新——新加坡的經(jīng)驗與啟示(上)[J];上海國資;2012年08期

2 吳海紅;;智利養(yǎng)老金投資管理的最新進(jìn)展[J];經(jīng)濟(jì)視角(下);2009年08期

3 李紹光;養(yǎng)老金基金的投資及管理──國內(nèi)理論探討與實踐綜述[J];經(jīng)濟(jì)社會體制比較;2001年01期

4 耿志民;養(yǎng)老保險基金進(jìn)入資本市場:可行性及政策策略[J];經(jīng)濟(jì)與管理研究;2001年03期

5 巴曙松;;論社�；鸨O(jiān)管體制的改進(jìn)[J];經(jīng)濟(jì);2010年09期

6 劉紀(jì)鵬;沙玉蘭;;地方社�；鹑胧邪踩谝籟J];經(jīng)濟(jì);2012年04期

7 施玉龍;;國外社會保險基金監(jiān)管模式的特點及對我國的啟示[J];市場論壇;2011年11期

8 丁康;;完善社會保險基金監(jiān)管制度的幾點思考[J];社會保障研究;2010年03期

9 周志凱;;新加坡中央公積金投資運營分析及對中國的啟示[J];社會保障研究;2010年06期

10 馮慧陽;;基于第六次人普數(shù)據(jù)談中國人口老齡化新變化[J];商業(yè)文化(上半月);2011年08期

，

本文編號：2254708