我国养老保险制度的改革和完善.docx

1 20132014学年第二学期 研究生课程期末论文 我国养老保险制度的改革和完善2 摘 要 本文对我国养老保险制度的现状进行了简要分析,从存在的问题 入手，提出扩大养老保险覆盖范围；缓解养老保险的支付危机，因 为支付危机是全世界养老保险制度面临的共同问题，但比较其他国 家而言，由于我国特殊的历史根源以及目前的现实条件，我国的这 一财务危机显得尤为严重；因此本文从健全筹资模式的角度，提出 了养老保险基金入市、投资国家基础设施建设、加大对国际资本市 场的投资等进行多渠道投资；同时，完善养老保险基金监管体制， 严格筛选基金托管人、健全养老保险基金投资运营的监管体制、构 建多元化的养老保险基金监管模式，以及加快中介机构的建设和发 展等，最后，对养我国老保险制度提出了改革和完善的建议。 关键词改革与完善、支付危机、多渠道投资、监管体制3 Abstract The article focused on the preset difficulties of endowment insurance, analyzing the effectiveness of expanding the coverage of endowment insurance, solving the crisis of payment, which is also faced with other countries. However compared with other countries, China has a unique history and reality problem, which lead to a serious financial crisis. As a result, the article propose the pension funds invested in stock market and expanding investment channels. Meanwhile and setting strict rules on the fund custodian, and accelerating the development of Agency.in the end, the article give some advice on the ideas of re of the endowment insurance Keywordendowment insurance; payment crisis; multiple channels investment; Supervision1 目录 一、概述............................................................................................................................................1 二、养老保险制度的含义及特征....................................................................................................1 一养老保险的概念 .............................................................................................................1 二养老保险的含义 .............................................................................................................1 三养老保险的特点 .............................................................................................................2 三、我国养老保险制度存在的主要问题........................................................................................2 （一）养老保险金的支付危机................................................................................................2 1.当前我国养老保险的支付危机....................................................................................2 2.我国当前职工基本养老保险基金财务危机的成因分析............................................3 （二）我国养老保险基金低投资收益率................................................................................3 （三）资金的筹集和管理存在漏洞........................................................................................4 四、完善我国养老保险制度的主要措施........................................................................................5 一扩大养老保险覆盖面........................................................................................................5 二深化养老保险制度改革，缓解支付危机........................................................................5 （三）健全筹资模式，进行多渠道投资................................................................................6 （四）完善我国养老保险基金监管体制................................................................................8 五、结 论......................................................................................................................