【摘要】：中國(guó)是一個(gè)人口的大國(guó)，正在處于社會(huì)、經(jīng)濟(jì)、環(huán)境的全面調(diào)整轉(zhuǎn)型階段，相較于其他國(guó)家，我國(guó)將承受更為巨大的養(yǎng)老壓力。并且，作為農(nóng)業(yè)大國(guó)的中國(guó)來(lái)說(shuō)，我們發(fā)現(xiàn)農(nóng)村的養(yǎng)老問(wèn)題更加嚴(yán)峻,農(nóng)村的老齡化程度比城市老齡化更加嚴(yán)重，如何解決好中國(guó)農(nóng)村的養(yǎng)老問(wèn)題將直接影響到中國(guó)的未來(lái)發(fā)展。但是，伴隨著我國(guó)農(nóng)村集體經(jīng)濟(jì)的消失，傳統(tǒng)以家庭養(yǎng)老、土地養(yǎng)老為主的農(nóng)村養(yǎng)老保障體系面臨著供給不足的危機(jī)，嚴(yán)重阻礙了農(nóng)村養(yǎng)老保險(xiǎn)制度的發(fā)展。只有實(shí)現(xiàn)農(nóng)村養(yǎng)老保險(xiǎn)基金的保值增值，才能保證基金的可持續(xù)性支付能力，而實(shí)現(xiàn)農(nóng)�；鸨Ｖ翟鲋当仨氁杂行У耐顿Y運(yùn)營(yíng)為前提。 目前，我國(guó)農(nóng)村養(yǎng)老保險(xiǎn)基金的投資渠道較為單一，投資標(biāo)準(zhǔn)低，投資結(jié)構(gòu)不合理，長(zhǎng)遠(yuǎn)看來(lái)必然影響我國(guó)農(nóng)村養(yǎng)老保險(xiǎn)制度的發(fā)展和長(zhǎng)期給付能力，影響我國(guó)三農(nóng)政策及和諧社會(huì)的構(gòu)建，因此，研究和構(gòu)建農(nóng)村養(yǎng)老保險(xiǎn)基金多元化的投資機(jī)制是十分必要的。 本文正是基于這一背景而展開(kāi)深入的研究，將本文分為五個(gè)部分。第一部分主要介紹本文的研究背景及意義，研究思路和方法以及本文力圖實(shí)現(xiàn)的創(chuàng)新。第二部分為農(nóng)村養(yǎng)老保險(xiǎn)制度及保險(xiǎn)基金相關(guān)理論，解釋了“新農(nóng)保”、農(nóng)村養(yǎng)老保險(xiǎn)基金投資的相關(guān)概念和特點(diǎn)、我國(guó)農(nóng)村養(yǎng)老保險(xiǎn)基金投資運(yùn)行模式的基本原則和農(nóng)村養(yǎng)老保險(xiǎn)基金投資運(yùn)行的理論依據(jù)。第三部分從我國(guó)農(nóng)村養(yǎng)老保險(xiǎn)基金投資機(jī)制的三個(gè)方面進(jìn)行了剖析，分析了農(nóng)村養(yǎng)老保險(xiǎn)基金的多元化投資的必要性。第四部分主要介紹了德國(guó)、新加坡、智利三個(gè)國(guó)家農(nóng)村養(yǎng)老保險(xiǎn)基金投資機(jī)制的發(fā)展及主要特點(diǎn)，，通過(guò)國(guó)外農(nóng)村養(yǎng)老保險(xiǎn)基金投資的比較與經(jīng)驗(yàn)借鑒，闡述了農(nóng)村養(yǎng)老保險(xiǎn)基金投資機(jī)制的國(guó)際經(jīng)驗(yàn)對(duì)中國(guó)的啟示。文章的第五部分為了推出適合我國(guó)基本國(guó)情的多元化的農(nóng)村養(yǎng)老保險(xiǎn)基金投資模式，從四個(gè)角度提出了加強(qiáng)我國(guó)農(nóng)村養(yǎng)老保險(xiǎn)基金多元化投資的不同策略。
[Abstract]:China is a large country with a large population, which is in the stage of social, economic and environmental comprehensive adjustment and transformation. Compared with other countries, China will bear a greater pressure on the aged. Moreover, as a large agricultural country, China has found that the problem of providing for the aged in rural areas is more serious, and that the degree of aging in rural areas is more serious than that in urban areas. How to solve the pension problem in rural China will directly affect the future development of China. However, with the disappearance of rural collective economy in our country, the traditional rural old-age security system, which is based on family pension and land old-age support, is facing the crisis of insufficient supply, which seriously hinders the development of rural old-age insurance system. Only by realizing the maintenance and increment of rural endowment insurance funds can the sustainability of the fund be guaranteed, and the premise of effective investment and operation must be the premise of maintaining and increasing the value of rural endowment insurance funds. At present, the investment channel of the rural endowment insurance fund in our country is relatively single, the investment standard is low, and the investment structure is unreasonable. In the long run, it will inevitably affect the development of the rural old-age insurance system in our country and its ability to pay for the long term. Therefore, it is necessary to study and construct the diversified investment mechanism of rural pension insurance fund. Based on this background, this paper is divided into five parts. The first part mainly introduces the research background and significance, the research ideas and methods, as well as the innovation of this paper. The second part is the rural old-age insurance system and the insurance fund related theory, explained "the new rural insurance", the rural endowment insurance fund investment related concept and the characteristic, The basic principles of the investment operation mode of the rural endowment insurance fund and the theoretical basis of the investment operation of the rural endowment insurance fund in China. The third part analyzes the three aspects of the investment mechanism of the rural endowment insurance fund in China, and analyzes the necessity of diversified investment of the rural pension insurance fund. The fourth part mainly introduces the development and main characteristics of rural pension fund investment mechanism in three countries, Germany, Singapore and Chile, and draws lessons from the comparison and experience of foreign rural pension fund investment. This paper expounds the inspiration to China from the international experience of the investment mechanism of rural endowment insurance fund. In the fifth part of the article, in order to put forward the diversified investment mode of rural pension insurance fund suitable for the basic national conditions of our country, we put forward different strategies to strengthen the diversified investment of rural endowment insurance fund in our country from four angles.
【學(xué)位授予單位】：吉林財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F842.67;F323.89

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