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基本养老保险基金投资资本市场策略研究_MBA论文(55页)

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文本描述
基本养老保险基金投资资本市场策略研究

摘要

为了解决中国基本养老保险基金在老龄人口高峰时期的巨大支

付缺口,政府部门正在研究制定提高退休年龄、延迟领取基本养老保

险金的政策。由于政策限制,中国2万亿基本养老保险基金资产正持

续遭受通货膨胀的侵蚀,基金资产不断贬值。选择基本养老保险基金

投资资本市场的策略进行研究,积极探讨基本养老保险基金的保值增

值,是应对基本养老保险基金支付缺口的重要措施之一。

本文通过综合运用文献综述、定性与定量相结合、对比研究等研

究方法,对基本养老保险基金投资资本市场实现保值增值的策略进行

了较为深入的研宄。在遵循了 “安全性”、“收益性”与“流动性”相

统一的原则后,基本养老保险基金进入资本市场后,通过构建多种投

资工具的投资组合,在风险可控的情况下取得较髙投资收益,实现基

本养老保险基金的保值增值。基本养老保险基金投资资本市场实现保

值增值,是非常有利于基本养老保险制度、资本市场以及中国社会经

济的可持续发展。因此,应尽快完成中国基本养老保险基金投资资本

市场的“顶层设计”。

关键词:基本养老保险基金保值增值资本市场组合投资

STRATEGIES STUDY OF THE BASIC PENSION

INSURANCE FUND INVESTING CAPITAL MARKET

ABSTRACT

Government departments are working on the policies of raising the

retirement age, delaying the age to receive the basic pension insurance

fund, in order to solve the huge pay gap of China's basic old-age

insurance fund during the peak period in the aging population. China's

two trillion basic pension insurance fund assets are continuing to suffer

from inflation erosion because government don't permit the basic pension

insureance fund investing capital market. It is one of the important

measures to address pay gaps in basic pension insurance fund to select the

research of the basic pension insurance fund investing capital market, and

actively explore increasing the value of the basic pension insurance fund.

The strategies of the basic pension insurance fund investing capital

markets to increase the value of the fund are studied. While the studying,

literature review, qualitative and quantitative, comparative studies and

other research methods are used. The basic old-age insurance funds

invests the capital market achiving higher investment income to increase

its value under controllable risk. The principle of the unity of the safe,

profitability and mobility must be followed, and a variety of

investment tools must be applied to build a portfolio. It is very conducive

to the sustainable development of basic pension insurance system, capital

markets and social economy that basic pension insurance fund invests

capital markets to increase its value. Therefore, the goverments should

complete the top-level design as soon as possible of the basic pension

insurance fund investing capital market.