论个人账户基本养老基金投资障碍的处置

HOW TO CLEAR AWAY THE OBSTACLES IN THE INVESTMENT OF BASIC PENSION IN THE PERSONAL ACCOUNT

个人账户基本养老基金入市投资是解决在岗职工未来养老保障给付危机的积极办法。目前个人账户基金入市投资存在市场障碍。政府当务之急是要设法补实个人账户基金 ,改善上市公司质量 ,规范证券公司和基金管理公司行为 ,提高经济鉴证信息质量以控制投资的系统性风险 ;促进国内金融工具创新 ,统一个人账户基金的投资管理 ,构建有效的养老金投资组合以降低投资的非系统性风险 。

To invest in the stock market the money the employed workers pay for their basic pension is a positive way to settle the possible crisis which may happen to it in the future. Now there are some obstacles in the investment. What is urgently needed for the government is to make up the deficiency in their account, to better the listed companies, to regulate the securities companies and the fund control companies, to enhance the verifiability of information so as to bring the series of risks under control, to centralize the management of the investment of the basic pension and to work out the ways of investment so as to gain as much as possible.