基本养老保险个人账户基金管理运营浅析

An Analysis on the Basic Old Age Insurance Individual Account Funds Management and Operation

随着基本养老保险省级统筹的实现和个人账户的逐步做实,我国积累的个人账户基金规模已非常庞大。当前,个人账户基金管理体制存在一些弊端,导致基金难以实现保值增值。应当选择适度集中的个人账户基金管理模式,建立完善的个人账户基金治理结构,适度放松投资限制,加大投资监管力度,建立个人账户基金准备金制度和退出机制,确保个人账户基金既能安全运营又能实现较高投资收益。

With the provincial social pool and individual full account coming true of the basic old age insurance, the scale of individual account funds is very large. At present, there are some drawbacks in the management system of individual account funds, which make it difficult to maintain and increase the value of assets. We should select moderately central individual account funds management model, establish perfect individual account funds manage- ment structure, relax investment restrictions appropriately and increase investment supervision, create a individual account funds reserve system and exit mechanisms, ensure the individual account funds operate safely and achieve a higher return on investment.