养老保险基金保值增值问题研究 养老保险基金保值增值困难养老问题是任何一个社会都无法回避的问题。我国已明确提出建立“统账结合，部分积累”的养老保险模式，养老保险基金形成规模，本文通过分析我国养老保险基金投资的现状和收益情况，发现在现阶段的中国，由于历史遗留问题，养老保险基金面临着老债新债问题，再加上在管理投资中，出现了收益、投资渠道单一且受到严格限制、管理不善、养老保险基金被非法挪用等一系列问题。针对这些问题，提出相应的措施，在空帐问题上做实个人账户，投资金融市场，提高收益；在统筹基金方面，主要是存在银行和购买国债，以确保基金的安全性；还有就是委托信托机构，基金会专门管理，减少基金在运行中出现的各种问题，建立适合我国国情的养老保险基金管理与监督模式， 关键字：养老保险基金、投资渠道、隐性债务、个人账户、监管 Abstract Our country has clearly put establish "TongZhang union, part accumulation endowment insurance mode, endowment insurance fund is formed the scale, but at present in China, due to problems left over by history, endowment insurance fund faces old debt, coupled with the new debt problems in the management of the investment appeared in low profits, investment the single channel and is restricted, mismanagement, endowment insurance fund is illegal appropriation and so on a series of problems. But the value of endowment insurance fund is difficult problem is any society old-age, anyone never-to-be-evaded problem. So to solve these problems, this paper puts forward some personal opinions, in empty account issue of individual account, as a whole fund is mainly on Banks and Treasury bonds, entrust trust, foundation specially management, reduce funds in the several problems in the operation. Establish suitable for China's national conditions of endowment insurance fund management and supervision mode, these for deepening the reform of China's endowment insurance system, to realize the value of endowment insurance fund are significant. Key Words: Endowment insurance fund, investment channel, implicit debt, individual account, supervision
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