本文選題：養(yǎng)老保險(xiǎn)　切入點(diǎn)：基金投資　出處：《吉林財(cái)經(jīng)大學(xué)》2013年碩士論文

【摘要】：我國(guó)現(xiàn)在的養(yǎng)老保險(xiǎn)制度正處于發(fā)展階段，隨著我國(guó)經(jīng)濟(jì)的快速發(fā)展，人們對(duì)養(yǎng)老生活水平的要求已經(jīng)提高到了一個(gè)新的層次，這就要求我們完善現(xiàn)有的養(yǎng)老保險(xiǎn)制度，尤其是養(yǎng)老保險(xiǎn)基金投資監(jiān)管法律制度的完善。其在改革過(guò)程中存在各式各樣的問(wèn)題，現(xiàn)如今我國(guó)已經(jīng)進(jìn)入老齡化國(guó)家的行列，養(yǎng)老保險(xiǎn)基金在投資管理方面的壓力也越來(lái)越大。目前在我國(guó)侵犯養(yǎng)老保險(xiǎn)基金投資管理的事件頻頻發(fā)生，損害了養(yǎng)老保險(xiǎn)基金的保值增值和養(yǎng)老保險(xiǎn)參保人員的利益以及社會(huì)生活的穩(wěn)定和養(yǎng)老保險(xiǎn)基金的安全性，這都是由于不規(guī)范的投資市場(chǎng)，不健全的監(jiān)管制度，缺乏相應(yīng)的監(jiān)管經(jīng)驗(yàn)所造成的。所以，為了杜絕投機(jī)行為的出現(xiàn)，確保養(yǎng)老保險(xiǎn)基金的安全性和養(yǎng)老保險(xiǎn)基金的保值和增值，滿足到期支付的需要，就必須對(duì)養(yǎng)老保險(xiǎn)的投資進(jìn)行必要的監(jiān)管。 本文對(duì)我國(guó)養(yǎng)老保險(xiǎn)基金投資監(jiān)管法律制度的研究主要從養(yǎng)老保險(xiǎn)基金投資及其監(jiān)管的概述、我國(guó)養(yǎng)老保險(xiǎn)基金投資監(jiān)管法律制度現(xiàn)狀及存在的問(wèn)題、國(guó)外養(yǎng)老保險(xiǎn)基金投資方面的相關(guān)法律制度以及完善我國(guó)養(yǎng)老保險(xiǎn)基金投資監(jiān)管法律制度的具體建議四個(gè)方面進(jìn)行。從養(yǎng)老保險(xiǎn)基金監(jiān)管的主要內(nèi)容可以看出，主要包括基金監(jiān)管模式的選擇、監(jiān)管手段以及基金投資渠道等，之所以要對(duì)養(yǎng)老保險(xiǎn)基金進(jìn)行監(jiān)管，主要原因在于養(yǎng)老保險(xiǎn)基金的重要性，對(duì)退休者的生活來(lái)源給予物質(zhì)保障。在這方面，西方發(fā)達(dá)國(guó)家在養(yǎng)老保險(xiǎn)基金的監(jiān)管方面積累了比較豐富的經(jīng)驗(yàn)，本文試圖通過(guò)對(duì)國(guó)外幾個(gè)比較先進(jìn)的養(yǎng)老保險(xiǎn)基金投資監(jiān)管制度的國(guó)家進(jìn)行分析，吸取國(guó)外先進(jìn)經(jīng)驗(yàn)，結(jié)合我國(guó)基金監(jiān)管的實(shí)際現(xiàn)狀，分析出我國(guó)養(yǎng)老保險(xiǎn)基金投資監(jiān)管制度存在的問(wèn)題，建立一個(gè)適合我國(guó)國(guó)情的，層次分明，結(jié)構(gòu)清晰合理，，權(quán)責(zé)明確的養(yǎng)老保險(xiǎn)基金投資監(jiān)管法律體系，以確保我國(guó)養(yǎng)老保險(xiǎn)基金的健康可持續(xù)發(fā)展以及推動(dòng)我國(guó)的經(jīng)濟(jì)發(fā)展和維護(hù)社會(huì)的穩(wěn)定。 本文采用理論和實(shí)證研究相結(jié)合、比較分析等方法，由于篇幅有限，文獻(xiàn)資料較少，筆者總結(jié)前人的研究經(jīng)驗(yàn)，著重分析我國(guó)養(yǎng)老保險(xiǎn)基金投資監(jiān)管在立法方面的不足，全面詳細(xì)地對(duì)完善我國(guó)養(yǎng)老保險(xiǎn)基金投資監(jiān)管相關(guān)法律制度的必要性進(jìn)行說(shuō)明，借鑒和總結(jié)國(guó)際經(jīng)驗(yàn)，對(duì)我國(guó)養(yǎng)老保險(xiǎn)基金投資監(jiān)管在立法方面提出具體的制度建議，希望在我國(guó)建立一個(gè)穩(wěn)固的、嚴(yán)密的養(yǎng)老保險(xiǎn)基金監(jiān)管法律體系。筆者希望能夠在建立的監(jiān)管體系中，建立包括政府監(jiān)管、專門監(jiān)管以及中介機(jī)構(gòu)的外部監(jiān)管的多層次的監(jiān)管體系，各監(jiān)管部門都能夠相互協(xié)調(diào)配合，各盡其責(zé)，相互協(xié)調(diào)合作，形成對(duì)養(yǎng)老保險(xiǎn)基金的切實(shí)保護(hù)，達(dá)到保證基金保值增值目的，實(shí)現(xiàn)養(yǎng)老保險(xiǎn)基金投資良性運(yùn)轉(zhuǎn)。
[Abstract]:Now the endowment insurance system in China is in a stage of development, with the rapid development of China's economy, demand for old-age living standards have been improved to a new level, which requires us to improve the existing old-age insurance system, especially to improve the legal system of the supervision of pension fund investment. The existence of every kind of the problems in the process of reform, now our country has entered the ranks of aging countries, pension fund investment management more and more pressure. The current violations of pension fund investment management in our country the events occur frequently, damage to the safety of endowment insurance fund and pension insurance personnel the interests and the stability of social life and the pension insurance fund, this is due to irregularities in the investment market, the imperfect supervision system, lack of supervision experience Therefore, in order to prevent the emergence of speculative behavior and ensure the safety and endowment insurance fund's value and value, and to meet the need of payment at maturity, we must make necessary supervision on the investment of pension insurance.
An overview of the main from the pension insurance fund investment and supervision of the legal system of the supervision of Chinese pension insurance fund investment, the status quo of China's legal system of endowment insurance fund supervision and the problems of the four aspects of the relevant legal system of foreign pension fund investment and improve China's pension fund investment supervision legal system specific suggestions. From the main content of endowment insurance fund supervision can be seen, including the choice of fund supervision mode, supervision means and fund investment channels, the reason for the supervision of the pension insurance fund, the main reason lies in the importance of the endowment insurance fund, the retirement life giving source material security. In this respect, western developed countries have accumulated rich experience in the endowment insurance fund supervision, this paper tries to state several A more advanced pension fund investment supervision system state analysis, absorb advanced foreign experience, combined with the actual situation of China's fund supervision, analyzed the problems of China's pension fund investment supervision system, the establishment of a suitable for China's national conditions, the level of clear, clear and reasonable structure, clear responsibilities of the pension the investment of insurance fund supervision legal system, to ensure that the endowment insurance fund in China's healthy and sustainable development and promoting China's economic development and maintain social stability.
This paper uses a combination of theoretical and empirical research, comparative analysis and other methods, due to limited space, little documentation, the author summarizes previous research experience, focuses on the analysis of deficiency of China's pension fund investment supervision in terms of legislation, in detail the necessity of perfecting the endowment insurance fund investment and supervision of the relevant legal system of description, reference and summary of international experience of China's pension fund investment supervision system puts forward concrete suggestions in terms of legislation in our country, hope to establish a solid, rigorous pension fund supervision legal system. The author hopes to establish the supervision system, including the establishment of government supervision, external supervision of special supervision and the agency's multi-level supervision system, the regulatory authorities are able to coordinate with each other, their duties, mutual coordination and cooperation, the formation of basic endowment insurance The effective protection of gold to ensure the purpose of guaranteeing the value and value of the fund and realizing the benign operation of the endowment insurance fund investment.

【學(xué)位授予單位】：吉林財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：D922.182.3;D922.28

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