【摘要】：按著人口老年人所占比例進(jìn)行對(duì)比,中國(guó)的中老年人的人數(shù)在全球來(lái)講,中國(guó)當(dāng)然是排在第一位的,在老年人口不斷增長(zhǎng)的今天,對(duì)我國(guó)現(xiàn)在和諧社會(huì)不斷發(fā)展造成了很大的阻力。我國(guó)的居民晚年的生活保障問(wèn)題越加明顯,要想以確保社會(huì)的和諧發(fā)展,就必須要建設(shè)完美的養(yǎng)老保護(hù)措施,可以較好地解決人口老齡化的問(wèn)題。然而良好的養(yǎng)老保障不僅是依靠國(guó)家來(lái)完成的,即使加上居民自己所繳納的養(yǎng)老金年也不足以解決國(guó)民養(yǎng)老問(wèn)題。所以,必須找到更有效的解決方案,只有養(yǎng)老基金在資本市場(chǎng)中合理的進(jìn)行投資組合,才能更好的保障養(yǎng)老保險(xiǎn)基金保值增值,兩者之間的關(guān)聯(lián)度是非常高的。 黑龍江省目前正面臨著養(yǎng)老基金的巨大的缺口,黑龍江省正在實(shí)施的是現(xiàn)收現(xiàn)付制和完全積累制相結(jié)合的部分積累制,以收定支,養(yǎng)老基金受益人根據(jù)個(gè)人在工作中的個(gè)人賬戶(hù)累計(jì)價(jià)值,確定其退休后獲得的工資收入,在一定的意義上,可以說(shuō)是個(gè)人儲(chǔ)蓄的性質(zhì)。為確保這些資金增值和對(duì)抗通脹壓力,為此研究角度是從黑龍江省養(yǎng)老保險(xiǎn)基金發(fā)展的現(xiàn)實(shí)狀況作為出發(fā)點(diǎn),首先回顧一般的養(yǎng)老基金投資組合理論并且通過(guò)實(shí)證研究來(lái)分析黑龍江省當(dāng)前的養(yǎng)老基金投資組合的合理性,然后再分析影響黑龍江省養(yǎng)老基金投資組合中的一些問(wèn)題,分析出黑龍江省養(yǎng)老基金投資組合的合理比例,最后,針對(duì)黑龍江省現(xiàn)狀和實(shí)證結(jié)果提出黑龍江省應(yīng)怎樣進(jìn)行有效的養(yǎng)老基金投資組合。 首先黑龍江省在將省內(nèi)養(yǎng)老基金在市場(chǎng)中進(jìn)行了投資,在得到的實(shí)際收益情況下,設(shè)立模型是針對(duì)投資組合的而建立,并通過(guò)SPSS12.0這個(gè)統(tǒng)計(jì)分析軟件對(duì)這個(gè)新建立的模型進(jìn)行實(shí)證分析。經(jīng)過(guò)認(rèn)真研究,以得出當(dāng)今將黑龍江省養(yǎng)老金在運(yùn)作的實(shí)際收益情況下,未能達(dá)到使黑龍江省養(yǎng)老金穩(wěn)定升值目的,于是進(jìn)而提出問(wèn)題是怎么才能讓它進(jìn)行最有效的投資運(yùn)作；其次,開(kāi)始關(guān)注黑龍江省養(yǎng)老基金從養(yǎng)老保險(xiǎn)基金投資組合的最優(yōu)財(cái)產(chǎn)組合出發(fā)；最終在黑龍江省養(yǎng)老金運(yùn)作的基礎(chǔ)規(guī)則、投資準(zhǔn)則研究的基礎(chǔ)上,針對(duì)黑龍江省養(yǎng)老基金有效組合進(jìn)行合理化建議。
[Abstract]:Compared to the proportion of elderly people in China, the number of middle-aged and elderly people in China is, of course, the first in the world. Today, when the elderly population continues to grow, To our country now harmonious society unceasing development caused the very big resistance. In order to ensure the harmonious development of the society, we must construct perfect old-age protection measures to solve the problem of aging population. However, good old-age security not only depends on the state, but also does not solve the problem of national pension by adding the pension years paid by the residents themselves. Therefore, we must find a more effective solution, only pension funds in the capital market in a reasonable portfolio, in order to better protect the value of pension insurance funds, the correlation between the two is very high. At present, Heilongjiang Province is facing a huge gap in pension funds. What Heilongjiang Province is implementing is a partial accumulation system combining the pay-as-you-go system and the full accumulation system in order to collect and pay. According to the cumulative value of individual account in work, the beneficiary of pension fund determines the salary income after retirement. In a certain sense, it can be said to be the nature of personal savings. In order to ensure that these funds increase in value and combat inflationary pressures, the research angle is based on the reality of the development of pension insurance funds in Heilongjiang Province as a starting point. This paper reviews the general pension fund portfolio theory and analyzes the rationality of the current pension fund portfolio in Heilongjiang Province through empirical research, and then analyzes some problems affecting the pension fund portfolio in Heilongjiang Province. This paper analyzes the reasonable proportion of the pension fund portfolio in Heilongjiang Province, and finally, according to the present situation and empirical results of Heilongjiang Province, puts forward how to carry out the effective pension fund investment portfolio in Heilongjiang Province. First of all, Heilongjiang Province has invested pension funds in the market in the province. In the case of actual income, the establishment of the model is based on the investment portfolio. And through the SPSS12.0 statistical analysis software to this new model for empirical analysis. After careful study, we can draw the conclusion that the pension in Heilongjiang Province can not achieve the purpose of stable appreciation of pension under the actual income of operation, so the question is raised how to make it the most effective investment operation; Secondly, starting from the optimal property portfolio of pension fund portfolio, the pension fund of Heilongjiang Province began to pay close attention to it. Finally, on the basis of the basic rules and investment criteria of pension operation in Heilongjiang Province, reasonable suggestions are made for the effective combination of pension funds in Heilongjiang Province.
【學(xué)位授予單位】：哈爾濱商業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：F842.67

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 任t熼，

本文編號(hào)：2404337