养老保险个人账户基金管理研究  

Study on Management of Individual Account of Pension Funds

作　　者：刘儒婷[1] 陈豫 

机构地区：[1]东北财经大学研究生院,辽宁大连116025 [2]长春高新技术股份火炬实业公司办公室,长春130012

出　　处：《长春大学学报》2012年第1期17-20,共4页Journal of Changchun University

基　　金：教育部规划基金项目(11YJA840008)

摘　　要：在我国人口老龄化社会压力下,迫切需要通过提高养老金个人账户基金运作效率来增强我国养老保险支付能力。但是目前,我国个人账户养老金运营面临着诸多风险,较为严重的有通货膨胀风险、经济周期造成的投资风险和个人微观选择风险。为了应对这些风险,应该通过财政手段做实个人账户,同时效仿全国社会保障基金运营的成功经验,建立可持续性的个人账户养老金运营制度。The problem of population aging in China urgently requires improving the operational efficiency of pension personal account fund to strengthen payments capacity of pension insurance. However, there are lots of issues in implementation, such as inflation risk, investment risk caused by economic cycle and individual selection risk. We should adopt various methods to deal with individual account debt, including taking fiscal measures and learning experiences from national social security fund operation.

关 键 词：养老保险 个人账户 空账 保值 

分 类 号：C913.7[经济管理]