我国个人账户养老基金管理模式探究  

Probe into the Model of Pension Fund Administration in Personal Account in China

作　　者：邵思思[1] 

机构地区：[1]西南财经大学保险学院,四川成都611130

出　　处：《保险职业学院学报》2013年第1期35-39,共5页Journal of Insurance Professional College

摘　　要：养老金的缩水与人口老龄化所导致的沉重的养老负担之间的矛盾日趋尖锐,开辟养老金的多元化投资渠道,成为必然的选择。放开投资,则意味着养老金的管理从财政平台向金融平台转移,相应的治理结构和管理模式也应随之改变。然而,养老金运营管理是一个复杂的过程,涉及多个当事人,各当事人之间的法律关系以及承担的职责也不相同,这就使得社会保障基金管理模式呈现出多样性和复杂性。因此,规范个人账户养老基金管理模式对于明确相关管理服务机构的职责,推动社会保障基金管理服务市场的健康发展和进一步完善社会保障制度非常重要。本文将从基本养老保险个人账户做实的政策背景出发,分析个人账户基金市场化运营的必要性,并就个人账户投资运营管理模式进行探究。The contradiction between shrinking pension and heavy burden of caring for the aged caused by aging population has become increasingly sharp. Therefore, it is an inevitable choice to open up diversified pension investment channel. Letting go of its investment means that the pension management is transferred from financial platform to capitall platform. Its management structure and management mode should also have corre- spending change. However, the pension operation management is a complicated process, involving multiple par- ties and each of different legal relationship and assuming different responsibilities, which makes the management mode of the social security fund diversified and complicated. Therefore, to regulate pension fund management mode of the individual account is very important for making related management services clear, for promoting the healthy development of the social security fund management services and for further improving the social security system. This paper analyzes the necessity of marketization operation of the fund in individual accounts and stud- ies the investment operation and management model of the personal accounts based on the policy that the individ-ual accounts of primary endowment insurance do practices.

关 键 词：个人账户养老基金 投资运营 管理模式 

分 类 号：F840.67[经济管理—保险]