黑龙江省养老保险基金投资管理研究  

Pension Funds Investment Management in Heilongjiang Province

作　　者：徐颖[1] 杨伟明[1] XU Ying, YANG Wei-ming(Department of Economics and Management, Suihua College, Suihua 152061, Heilongjiang Province, Chin)

机构地区：[1]绥化学院经济管理学院,黑龙江绥化152061

出　　处：《沈阳农业大学学报（社会科学版）》2018年第2期163-167,共5页Journal of Shenyang Agricultural University(Social Sciences Edition)

基　　金：绥化学院人文社会科学研究项目(R1502005)

摘　　要：在黑龙江省人口老龄化程度不断加深的背景下,由于供养比率低、养老金水平高、养老金保值增值能力弱以及养老金可持续性差等原因导致黑龙江省养老金支付困难的问题越来越严峻。为了解决以上问题,黑龙江省养老保险基金投资管理应当从开源、节流两个方面去寻找有效方法。以黑龙江省养老保险基金投资管理为研究对象,分析发现,黑龙江省养老保险基金在运营管理过程中存在投资渠道狭窄,投资收益率低;基金统筹层次低,缺乏有效的集中管理;法律制度不健全,缺乏有效的投资管理机制。因此,黑龙江省养老保险基金投资管理应借鉴美国、德国和日本养老保险基金投资运营的经验,提出科学资产配置,提高投资收益率;实现中央统筹,健全多层次养老保障体系;出台养老保险法规,完善养老基金监管机制,以期为推进黑龙江省养老保险基金投资管理制度创新,实现养老保险基金的保值增值及养老保险事业长期、健康和可持续发展提供参考。Currently, Heilongjiang Province is confronted with the increasingly serious aging of population. Pensions are getting more and more difficult to pay in this province due to the low pension support ratio, high pension payment, weak pension value preserving and increasing ability, poor sustainability of pension, and some other factors. Heilongjiang Province should take the strategies of broadening the source of income and economizing expenditure to find more effective ways to solve this problem. Taking the pension funds investment management in Heilongjiang Province as object of study, this paper analyzes the existing problems in the pension funds investment management： The narrow channel to the pension funds investment leads to the low rate of return on investment; the social unified pension funds raising is at a low level and lacks of effective centralized management; and the pension funds investment lacks of a complete system of law and an effective mechanism of management. In view of the problems above and learning from the experience of America, Germany and Japan in the investment and operation of pension funds, it is put forward that assets should be scientifically allocated to increase the rate of return; the social unified pension funds raising realized by the central government to establish a sound multi-level old-age security system; and laws and regulations on old-age insurance introduced to perfect the supervision and management of pension funds.

关 键 词：人口老龄化 养老保险基金 中央统筹 投资监管 黑龙江省 

分 类 号：F842.6[经济管理—保险]