创新我国企业年金监管制度——基于对全球金融危机的反思  

Innovating the supervision system for enterprise pension plans

作　　者：钱振伟[1] 丁江萍[2] 张艳[3] 

机构地区：[1]西南财经大学保险学院,四川成都610007 [2]中国保险监督管理委员会云南监管局,云南昆明650001 [3]云南财经大学金融学院,云南昆明650221

出　　处：《保险研究》2009年第11期96-102,共7页Insurance Studies

基　　金：2006国家自然科学基金项目<养老保险基金治理机制及风险控制的制度分析>;批准号:70673082/G031102

摘　　要：在金融混业经营背景下,如何创新我国企业年金监管的制度安排,以便加强对企业年金委托—代理链条上的风险点的监管,克服市场失灵,防止出现多米诺骨牌效应,降低国家社会保障的系统风险?笔者利用制度经济学等理论分析了我国企业年金监管制度,在反思美国金融混业背景下的企业年金监管制度的基础上,从制度框架和监管机制两个方面提出创新中国企业年金监管制度安排的对策建议。How to reestablish the system framework of enterprise pension regulation against the backdrop of financial mixed operation？ The new regulation system should enhance supervision of the major risk point on the chain of agency relationship-entrusted management of enterprise pension funds, guard against the risk of market failure and a domino effect, and reduce the systemic risks of the national social security system. This article intended to use the risk management, made recommendations on how to reconstruct China＇s enterprise pension regulation system in terms of both the system framework of regulation and regulation mechanism.

关 键 词：企业年金监管 金融危机 制度分析 

分 类 号：F840.67[经济管理—保险]