养老保险基金市场化存在的问题及对策摘 要养老保险业一直是中国保险业的重要组成部分。基本养老金制度由政府发起和推动，并支付强制性养老金制度。养老金是为了确保社会成员有能力在他们年老之后购买生活需要。在当今社会，一方面，处于困倦养老基金的银行正在沉睡，一方面，老龄化正在加速，迫切需要解决养老保险基金需要如何挽救的问题。“中国共产党中央关于制定国民经济和社会发展第十三个五年计划的提案”提出扩大社会保险基金投资渠道，加强风险管理，提高投资回报率。在政策推动和保险增值的压力下，养老基金的投资渠道正在加速发展。通过我国政策的优势，以养老金为基础的养老金投资进程加快，专业管理组织的发展也被打破。目前，随着第三支柱的迅速发展以及第一、第二支柱委外投资的进一步推进，我国养老保险基金市场化投资的速度正在加快。目前在我国，加快养老保险基金市场化运作已是大势所趋。这本文从现状和问题入手，通过理论与实践相结合，分析了当前养老保险基金市场发展的可行性和必要性，以及养老保险在投资运作，投资策略和资本方面的一些挑战。最后，给出了养老基金在运作模式，投资管理等方面的市场化发展战略，提出了养老基金市场化的问题及相应的解决方案。关键词：养老保险；基金；市场化PAGE \* MERGEFORMAT15Problems and Countermeasures of Marketization of Endowment Insurance FundsABSTRACTThe pension insurance industry has always been a very important part of China's insurance industry. The basic pension system is initiated and promoted by the government, and the payment has a mandatory old-age security system. Its duty is to prevent poverty in the elderly. Through regular basic pension payments, the elderly have a stable source of income to ensure that members of society The ability to purchase basic living materials after the old age. In today's society, on the one hand, a large number of old-age insurance funds are sleeping, and on the one hand, the aging is accelerating, and how the pension insurance fund needs to be saved is urgently needed to be resolved. "The Central Committee of the Communist P...
