我國(guó)養(yǎng)老保險(xiǎn)個(gè)人賬戶基金管理研究.pdf

1、福建師范大學(xué)碩士學(xué)位論文我國(guó)養(yǎng)老保險(xiǎn)個(gè)人賬戶基金管理研究姓名：韋樟清申請(qǐng)學(xué)位級(jí)別：碩士專業(yè)：社會(huì)學(xué)指導(dǎo)教師：蘇振芳20040401StudyoutheManagementofBasicPensionInsuranceinthePersonalAccountinChinaAbstract：Atpresent，thebasicpensioninsuranceadoptedinChinaisthepartaccumulatingtypetha

2、tintagratessocialpoolingwithindividualaccountThesocialpoolingtakesthepayasyougo，andthepersonalaccountimplementsthefundingschemeThepurposeistokeepthereallocatingfunctionofthepayasyougoandtoovemomethepressureofagingpopulat

3、ion，andalsotogivewaytothecultivationoftherightpersonalsenseofresponsibUityandtheinspiringfunctiononefficiencyHoweverbecausethegovernmenttakestheobscureattitudetothetransitioncostofthesocialsecudtysystemallthetimetheindiv

4、idualaccountfundisdivertedandtiedupbythegovernmentinthesituationsthattheindividualprepertyrightislimited。andthegovernmentmakesitbethecapitalsourceofpayingretiredpensionThe。emptyaccount’’oftheindividualaccounthasalreadyth

5、reatenedthesocialsecuritysystemseriouslyandhasviolatedtheodginalintentionofsettingupindividualaccountseriouslyForthisreasonwemustturnthe“emptyaccount’intothe”realaccount“divideaccountstomanage，andcreatetheconditionstorea

6、lizethefundvalueoftheindividualaccountpreservedandappreciatedButwhattheindividualaccountfundneedsisnotmeralyalargenumberofcashesbuttheassetsproducingthevalue，Consequentlyonthebasisofrealizingtherealaccountofindividualacc

7、ounttooperate，wemustchangethemanagementmodeoftheindividualaccountfundexplorethetrustingmanagementstylemeanwhile，inthefaceoftheriskthattheindividualaccountfundisoutofbalancewemuststrengthentheinvestmentofthefundandtakepre