我国养老保险基金投资问题研究.docxVIP

经典专科、本科、硕博、研究生、期刊毕业论文 经典2019成稿 仅供参考 精心整理 仅供参考 勿用作商业用途 我国养老保险基金投资问题研究 摘 要 随着时间的不断推移，上世纪人口骤增所带来的劳动力红利逐渐演变为人口压力，我国社会的老龄化人口不断增加，在国民人口结构中的比例也不断攀升，如何养老逐渐成为一项严峻的社会问题。尽管养老保险作为我国最主要的养老保障手段，但伴随着人口老龄化形式的日益增强使我国养老保险整体形势低迷。此外，我国养老保险投资回报率长期偏低，投资回报率赶不上通货膨胀，我国养老保险在未来将面临着较大的资金缺口。本篇论文从我国养老保险基金投资的现状出发，对基本养老保险基金如何投资升级进行研究，进而分析在这个过程中存在的不足，同时通过借鉴国际关于养老保险基金进行投资的方法和经验，然后与国内当前的状况紧密的结合在一起，针对这方面提出相关的对策和建议，对我国养老保险基金实现保值增值的目标具有重要的理论与现实意义。 关键词：养老保险；基金投资；多元化投资；保值增值 ABSTRACT As time goes by, the dividend of labor force brought by the population explosion in the last century has gradually evolved into population pressure. The aging of the population in Chinas society is increasing, the proportion of the national population structure is also rising. How to provide for the aged has gradually become a serious social problem. As a major means of providing for the aged in China, endowment insurance is confronted with the basic national conditions of China, that is, getting old before getting rich. In addition, Chinas endowment insurance has a long history of low investment returns, and investment returns cannot catch up with inflation. Therefore, Chinas endowment insurance will face a large capital gap in the future. Based on the realistic background and objective conditions of Chinas pension fund investment, this paper analyzes the status quo of Chinas yan lao insurance fund investment to explore the existing problems in Chinas pension fund investment. Finally, combined with the successful advanced experience of foreign endowment insurance investment, combined with Chinas realistic background to explore the solutions to the problems existing in Chinas endowment insurance fund investment, and put forward corresponding policy Suggestions. Key words: Endowment insurance; Fund investment; Diversified investment; Preserve or increase the value 目 录 1.前 言 1 2我国养老保险基金投资理论概述 1 2.1养老保险基金投资的概念 1 2.2我国养老保险基金投资的原则 1 2.3我国养老保险基金投资渠道 2 3我国养老基金现状及投资情况分析 2 3.1我国养老保险基金现状 2 3.2我国养老保险基金投资情况分析 2 3