我国养老保险基金投资管理的法律问题研究

发布时间：2018-05-02 07:56

本文选题：养老保险基金 + 管理模式　；参考：《华中科技大学》2014年硕士论文

【摘要】：二十世纪末，我国正式迎来老龄化社会，原因是我国年龄超过60岁的老年人数占我国总人口的比例超过10%。为了应对人口老龄化带来的危机，我国政府必须尽快储备我国养老保险基金，大力发展养老保险基金事业。此外，近几年来，由于受到高通胀，物价水平上涨的影响，我国养老保险基金出现了大幅的缩水。为了更好的迎来我国人口老龄化时代的到来，保证广大老年人的生活安定，我国有关养老保险基金管理部门不得不将养老保险基金进行投资管理，通过投资获得较高的收益。另一方面，我国的养老保险基金管理机构利用自己的职权及便利，私自挪用、侵占我国养老保险基金，这类案件屡禁不止，他们的行为造成我国养老保险基金大幅流失，从以上分析来看，认真研究我国有关部门如何监督管理我国的养老基金使用问题关系到广大老年人的切身利益，更是我国构建和谐社会不可忽视的一个重要环节。因此，本篇文章具有较强的理论及现实意义。本篇文章主要从以下几个方面着手：界定我国养老保险基金投资中的相关基本概念、认真分析我国养老保险基金在投资运营中出现的各类风险、全面仔细地介绍目前我国养老保险基金投资管理模式以及相应的法律监管模式现状、引入其他国家在养老保险基金投资管理及法律监管上的经验，论述我国养老保险基金投资管理的法制化路径等五部分。首先，，在文章的第一章，为了给下文的研究做一个良好的铺垫，就我国养老保险基金投资管理中的一些相关基本概念给予解释，包括我国的养老保险基金的构成以及基本特点。接下来专设一章，按照系统性以及非系统性风险两大方面对我国养老保险基金投资管理中的风险进行详细介绍。然后文章在我国的法律监管上，通过纵向比较，展示了我国处于不同时期的有关养老保险基金投资监管的立法特点。同时，通过横向比较国外的先进经验教训，为不断完善我国的养老保险基金的投资管理提供了理论及实践上的先进经验。在文章最后一章，在借鉴国外经验并且结合本国国情、历史的基础上，文章提出了切实可行的立法建议。在相关的法律监管层面，文章提出应该加快对《养老保险基金投资监管法》的立法进程。对于基金投资管理中存在风险的防范与管理，主要是通过相关法律的完善以及规范各方主体行为来进行，通过上述手段，综合提高、增强我国养老保险基金投资中风险防范及预警能力。
[Abstract]:At the end of the 20th century, China formally welcomed the aging society, because the proportion of the elderly over 60 years old in the total population of our country exceeded 10. 5%. In order to cope with the crisis brought by the aging population, our government must reserve the pension insurance fund as soon as possible and vigorously develop the endowment insurance fund. In addition, due to the influence of high inflation and rising price, the pension insurance fund in China has shrunk greatly in recent years. In order to better usher in the arrival of the aging age of population in our country and ensure the life of the elderly, the management departments of the pension insurance fund in our country have to invest and manage the pension insurance fund and obtain higher income through the investment. On the other hand, the pension fund management organizations in our country use their own powers and facilities to misappropriate and encroach on the pension insurance funds in our country. Such cases are not stopped. Their behavior results in a large loss of pension insurance funds in our country. From the above analysis, it is very important to study how to supervise and manage the use of pension fund in our country, which is also an important link to construct a harmonious society in our country. Therefore, this article has strong theoretical and practical significance. This article mainly starts from the following several aspects: defines the related basic concept in our country endowment insurance fund investment, earnestly analyzes all kinds of risks that our country endowment insurance fund appears in the investment operation, This paper introduces the current situation of pension fund investment management mode and the corresponding legal supervision mode in China, and introduces the experience of other countries in pension fund investment management and legal supervision. This paper discusses the legalization path of investment management of endowment insurance fund in China. First, in the first chapter of the article, in order to make a good foreshadowing for the following research, we explain some related basic concepts in the investment management of endowment insurance fund in our country, including the constitution and basic characteristics of the pension insurance fund in our country. Then a chapter is devoted to introduce the risk in the investment management of pension insurance fund in China according to systemic and non-systematic risk. Then, in the legal supervision of our country, through the longitudinal comparison, it shows the legislative characteristics of the pension fund investment supervision in different periods in our country. At the same time, by comparing the foreign advanced experiences and lessons, it provides the advanced experience in theory and practice for improving the investment management of the endowment insurance fund in our country continuously. In the last chapter, based on the experience of foreign countries and the history of our country, the paper puts forward some feasible legislative suggestions. At the level of relevant legal supervision, this paper puts forward that we should speed up the legislative process of the Law on the Investment Supervision of Endowment Insurance funds. The prevention and management of risk in fund investment management are mainly carried out through the improvement of relevant laws and the regulation of the main body behavior of all parties. Strengthen our country endowment insurance fund investment in the risk prevention and early warning ability.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.182

【参考文献】