关于养老保险个人账户资金投资营运的几点思考

On the Investment of the Old-age Insurance Individual Account

养老保险个人账户资金的入市投资已成定局,但在投资过程中需要综合考虑法律法规、宏观经济、财政金融、社会政策等诸多领域问题。其中,尤以政府与市场、中央政府与地方政府责任的划分,国际国内有益经验的适当借鉴,资本市场、法律法规及监管体系的进一步建立和完善等问题为重,这样才能实现个人账户资金入市投资的成功。

Old-age insurance individual account invested in the stock market is a foregone conclusion. There are many issues needed to be considered during the investment including laws and regulations, macroeconomic, finance, social policy and so on. The division of the responsibility of government and market, the central government and local government should be focused, as well as the international and domestic experience learning and the establishment of the capital markets, laws and regulations, regulatory system. Only by addressing these issues can the investment be successful.