本文選題：基本養(yǎng)老金 + 資本市場(chǎng)　； 參考：《山東師范大學(xué)》2017年碩士論文

【摘要】：基本養(yǎng)老金不僅是構(gòu)成我國(guó)養(yǎng)老保險(xiǎn)基金體系重要的組成部分,更是推進(jìn)社會(huì)養(yǎng)老保險(xiǎn)制度平穩(wěn)進(jìn)行的根本保證,也是積極應(yīng)對(duì)人口老齡化的重要資金儲(chǔ)備。當(dāng)前我國(guó)的基本養(yǎng)老基金投資收益低,僅限于國(guó)債、銀行存款,顯然無(wú)法真正實(shí)現(xiàn)保值增值的目標(biāo)。隨著人口老齡化和養(yǎng)老金缺口問(wèn)題的日趨嚴(yán)峻,基本養(yǎng)老金進(jìn)入資本市場(chǎng)已是必然趨勢(shì)。需要特別注意的是,基本養(yǎng)老金是老百姓的養(yǎng)命錢(qián),在投資運(yùn)營(yíng)中安全性應(yīng)當(dāng)擺在第一位。但是,我國(guó)對(duì)基本養(yǎng)老金進(jìn)行市場(chǎng)化投資管理還處于起步階段,基本養(yǎng)老金入市必然面臨著巨大的風(fēng)險(xiǎn),其市場(chǎng)化運(yùn)作如果失敗,后果則不堪設(shè)想。因此,必須對(duì)基本養(yǎng)老金入市的相關(guān)問(wèn)題進(jìn)行深入研究,為基本養(yǎng)老金市場(chǎng)化投資運(yùn)營(yíng)提出具體可行的策略,確�；攫B(yǎng)老金在相對(duì)較低的風(fēng)險(xiǎn)水平下實(shí)現(xiàn)自身的保值增值,進(jìn)而實(shí)現(xiàn)基本養(yǎng)老金在資本市場(chǎng)的可持續(xù)發(fā)展,這對(duì)于促進(jìn)經(jīng)濟(jì)發(fā)展、維護(hù)社會(huì)穩(wěn)定具有重要意義。本文共分為七個(gè)部分探討我國(guó)基本養(yǎng)老金的入市問(wèn)題:第一部分為緒論,主要闡述了本選題的背景、意義以及國(guó)內(nèi)外研究現(xiàn)狀、研究創(chuàng)新點(diǎn)等問(wèn)題。第二部分主要剖析了相關(guān)理論基礎(chǔ)和概念,既包括對(duì)養(yǎng)老金、基本養(yǎng)老金、基本養(yǎng)老金入市的概念界定,也涉及到對(duì)委托代理、經(jīng)濟(jì)監(jiān)管、風(fēng)險(xiǎn)管理、投資組合等理論的論述。第三部分主要分析我國(guó)基本養(yǎng)老金的運(yùn)營(yíng)現(xiàn)狀,重點(diǎn)剖析了當(dāng)下我國(guó)在基本養(yǎng)老金運(yùn)營(yíng)方面所存在的的主要問(wèn)題。第四部分主要是對(duì)基本養(yǎng)老金入市必要性和可行性的考察,旨在說(shuō)明我國(guó)基本養(yǎng)老金入市已是必然趨勢(shì)。第五部細(xì)致闡述了我國(guó)基本養(yǎng)老金入市存在的風(fēng)險(xiǎn),主要包括系統(tǒng)風(fēng)險(xiǎn)和非系統(tǒng)風(fēng)險(xiǎn),并以已經(jīng)入市的全國(guó)社保基金為例進(jìn)行實(shí)證分析。第六部分對(duì)新加坡、智利、美國(guó)的三種典型的養(yǎng)老金入市計(jì)劃進(jìn)行探討并總結(jié)其經(jīng)驗(yàn)。最后,針對(duì)基本養(yǎng)老金入市存在的風(fēng)險(xiǎn),在總結(jié)國(guó)內(nèi)外經(jīng)驗(yàn)的基礎(chǔ)上,對(duì)我國(guó)基本養(yǎng)老金入市投資運(yùn)營(yíng)提出了對(duì)策建議。
[Abstract]:The basic pension is not only an important part of the pension insurance fund system of our country, but also a fundamental guarantee to promote the smooth development of the social endowment insurance system, and also an important fund reserve to deal with the aging of the population actively. At present, the investment income of the basic pension fund in our country is low, only limited to the national debt and bank deposit, obviously it can not realize the goal of maintaining and increasing the value. With the aging of the population and the increasing problem of pension gap, it is an inevitable trend for the basic pension to enter the capital market. Special attention should be paid to the basic pension is the livelihood of the common people, security should be put in the first place in the investment operation. However, the market-oriented investment management of the basic pension in China is still in its infancy, and the entry of the basic pension into the market will inevitably face great risks. If the market-oriented operation fails, the consequences will be unthinkable. Therefore, it is necessary to deeply study the relevant problems of basic pension entering the market, and put forward concrete and feasible strategies for the market-oriented investment operation of basic pension, so as to ensure that the basic pension can maintain and increase its value at a relatively low risk level. And then realize the sustainable development of basic pension in the capital market, which is of great significance to promote economic development and maintain social stability. This paper is divided into seven parts to discuss the entry of the basic pension in China. The first part is the introduction, which mainly describes the background, significance, research status at home and abroad, research innovation and other issues. The second part mainly analyzes the relevant theoretical basis and concepts, including the definition of pension, basic pension into the market, but also related to the principal-agent, economic supervision, risk management, portfolio theory and so on. The third part mainly analyzes the current situation of the basic pension operation in China, focusing on the main problems existing in the operation of the basic pension in China. The fourth part mainly studies the necessity and feasibility of entering the market of basic pension, aiming to show that it is an inevitable trend to enter the market of basic pension in our country. The fifth part elaborates the risk of entering the market of the basic pension in our country, including the systematic risk and the non-systematic risk, and takes the national social security fund that has already entered the market as an example to carry on the empirical analysis. In the sixth part, three typical pension schemes in Singapore, Chile and the United States are discussed and their experiences are summarized. Finally, in view of the risk of entering the market of basic pension, on the basis of summing up the experience at home and abroad, this paper puts forward some countermeasures and suggestions for the investment and operation of the basic pension in our country.
【學(xué)位授予單位】：山東師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F842.67

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本文編號(hào)：1949222