政府监 管养老保险基金投资存在的问题及对策分析-analysis on the problems and countermeasures of government supervision and management of endowment insurance fund investment.docxVIP

AbstractEndowmentinsurancehasalwaysbeenregardedasamustwhichguaranteespeople’sretiringlife.Withtheawakeningofpeople’sawarenessofsocialsecurity,itsimportanceisbecomingmoreandmoreself-obvious.Therefore,today,moreandmorepeopleareactivelyparticipatinginsocialsecurityorbusinesssecurity,somuchsothatthetotalamountofsocialsecurityfundincreasesrapidly,whichisattributabletothepopulationbase.However,asforsocialsecuritysystem,itstillhasmuchroomforimprovementbecauseitisstillinanimmatureandimperfectstage,especiallythesupervisionoftheinvestmentofendowmentinsurancefundisstilluncultivated,havingjustsomerigidissuesoflawinsteadofregularrulesandsystem.Anditsmalpracticecouldalsoberevealedfromtheexplosionofsocialsecurityfundcasesinmanyareas.While,ontheotherhand,itcoincideswiththegravesituationofendowmentinsuranceinChina.First,withtheearlyarrivalofagingsocietyandunfavorableproductiveforces,endowmentinsurancesystemincreasestheburdenofnationalfinanceeventhoughitguaranteesthetransitionofChineseeconomy;second,thefactthathavingundesirablestressonkeepingthebalanceofthevalueofthefundrequiresanecessaryconsiderationtotheinvestmentofthefundofendowmentinsurancewiththerapidexpandingoftheneedofthefund.Whileontheotherhand,theimperfectfundmarket,theunitaryandthelimitedtypesofinvestmentandtheinadequatesupervisionundoubtedlyaddtherisksofendowmentinsurancefundinvestment.Thethesiscoversfiveparts.Inthefirstpart,theauthorgivesabriefintroductiontothebackgroundandsignificanceofthesubject,andlaunchesacomprehensiveanalysistothetheoryofendowmentfundinvestmentundergovernment’ssupervision,andalongthewayfollowedbytheangleandthewayofresearchanditsinnovations.Inthesecondpart,thetheoreticbaseandpracticalfoundationofendowmentinsurancesupervisioninChinaareavailabletothereaders,andabriefintroductionisalsogiventotheform,priciplesandcontentsofit.Inthethirdpart,lengthyaccountsaregiventothecurrentsituationofendowmentinsurancefundsupervisionandthereasonsoftheinefficiencyofit,andmeanwhiledetailedanalysisoftheachievementsandinsuff