美国私人养老金入市监管法律研究

发布时间：2018-10-05 21:45

【摘要】：养老金在当今的社会生活中发挥着至关重要的作用,它对于一个国家的劳动力代际更替、社会的安全稳定以及经济平稳发展具有深远的影响,故此,如何实现养老金的保值增值来保障国民福利具有重要意义。然而,随着人口老龄化程度的持续加深,老龄化人口激增,城市养老金的缺口也在不断扩大,为此采取的延迟退休政策也给相当一部分劳动者带来了诸多困扰。在这种背景下,为了保证劳动者在退休后能够享有基本的生活保障以实现养老金的保值增值,2015年8月23日国务院发布了《基本养老保险金投资管理办法》,中国养老金入市成为定局。然而,中国的养老金的入市投资可能将会面临着监管主体权责不明等诸多监管难题,特别是由于相关机制构建起步较晚且立法经验不足,养老金入市的运作亟需完整的法律监管体系作保障。在社会主义法治社会的背景下,只有把养老金入市置于法律监管的背景下,才可能保证其良性向好发展并实现养老基金运作过程的安全透明,确保养老金的保值增值。制定完备的监管法律体系可以借鉴美国的成功经验。美国是资本市场比较成熟的国家,其养老金入市法律监管制度构建总体上比较成功。以美国私人养老金入市的法律监管经验来看,对养老金进行市场化运营是实现养老金保值增值的有效途径。美国的养老金入市法律监管体系,特别是其中的私人养老金法律监管计划,对中国养老金的入市发展以及法律监管具有一定的借鉴意义。我们可以充分学习并吸收其精华,建立并完善适合中国国情的监管法律制度,保障中国养老金入市的健康发展。我们可以通过研究美国私人养老金入市法律监管体系、法律监管主体、法律监管模式等信息,吸收美国的立法经验,权衡利弊做出适合中国国情的选择,继而制定出与中国社会保障相适应的养老金入市法律监管制度。
[Abstract]:Pensions play a vital role in today's social life. They have a profound impact on the intergenerational change of labor force, social security and stability, and the steady development of the economy in a country. How to maintain and increase the value of pension to protect national welfare is of great significance. However, as the aging of the population continues to deepen, the aging population surge, the gap of urban pension is also expanding, and the delayed retirement policy has brought a lot of troubles to a considerable number of workers. In this context, In order to ensure that workers can enjoy basic living security after retirement to maintain and increase the value of pension, on August 23, 2015, the State Council issued the "measures for Investment Management of basic Pension Insurance", which made the entry of Chinese pension into the market a foregone conclusion. However, China's pension investment in the market may face a lot of regulatory problems, such as unclear rights and responsibilities of the regulatory body, especially due to the late start of the relevant mechanism and lack of legislative experience. The operation of pension in the market needs to be guaranteed by a complete legal supervision system. Under the background of the socialist society ruled by law, only by putting the pension into the market under the background of legal supervision, can we guarantee its benign development, realize the safety and transparency of the operation of the pension fund, and ensure the maintenance and appreciation of the pension. The establishment of a complete regulatory legal system can draw lessons from the successful experience of the United States. The United States is a mature country with capital market, and its legal supervision system of pension entering the market is generally successful. Based on the experience of American private pension entering the market, the market-oriented operation of pension is an effective way to maintain and increase the value of pension. The American pension market entry legal supervision system, especially the private pension law supervision plan, has certain reference significance to the Chinese pension market entry development and the legal supervision. We can fully learn and absorb its essence, establish and perfect the regulatory legal system suitable for China's national conditions, and ensure the healthy development of China's pension system. By studying the American private pension market entry legal supervision system, the subject of legal supervision, the mode of legal supervision, and other information, we can absorb the legislative experience of the United States, weigh the pros and cons, and make a choice suitable for China's national conditions. Then, the legal supervision system of pension entering the market is established in accordance with China's social security.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D971.2;DD912.2

【相似文献】