我国企业年金发展及投资问题探析

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1、ABSTRACTIOccupationalpensionisakindofimportantwaythateverycountryintheworldofferstheretiredlivingguaranteetoitspeople．Abroad，theregularoccupationalpensionplansalreadyhadahistoryofmorethan100years，butourcountrydidnotbegintheexplorationofoccupationalpensionuntilthebeginningof19

2、90s．Occupationalpension，asthesecondpillarinthesecuritysystemplayasupplementingrotetothesocialbasicendowmentinsurance，meanwhileithasimportantfunctiontoperfectinstabilizingtalent’Steamoftheenterpriseandpromotioncapitalmarket．Ourcountryisbeinginthekeyperiodsoftheeconomicdevelopm

3、entandinstitutionalimprovementofsocialsecurity，settingupanddevelopingoccupationalpensionhasverystrongcurrentdemandanddevelopmentprospect．Butatpresent，thedevelopmentoftheoccupationalpensionofourcountryisquiteslow，thecoverageislimited，thescaleofthefundisverysmall，notonlyfailsto

4、satisfytherealitythattheagingpopulationofourcountryandexistingbasicendowmentinsurancesystemfundbreachstrengthenconstantlytoneed，butalsofailstobeinconformitywiththeeconomydevelopmentlevelofourcountryandresident’Sincomestate．Thereasoncausingthiskindofphenomenoniscomplicated，lik

5、ebeinglackinrelevantlawsandregulations，poorefficiencyofcapitalinvestmentandSOon．Occupationalpensioninourcountryhasagooddevelopmentprospect．Theconstantenlargementwiththescaleoftheoccupationalpension，itsrequisitiononpensionfundvaluepreservingandappreciationwillbehigherandhigher

6、．Seekmakingtheinvestmenteffectivelyofenterprisepensionassets，nomattertotheplanortheintereststotheplanparticipant，theperfectionanddevelopmentofthecapitalmarketevenofOurcountryareallveryimportant．Thearticlesetsoutfromangleoftheassetsinvestmentmainly，focusonanalyzingtheinvestmen

7、tproblemof0111"country．Onthebasisofusingthepensionfundoperationsuccessfulexperienceof2ABSTRACT■●__■■■●一II——IIII●somecountriesofU．S．A．andEuropeforreference，accordingtotheconcreteconditionsonthefinancialmarketofollrcountry，putforwardthesuitablefundoperationinvestmentchannelofan

8、nuityofourcountryandeffectiveinvestmentwayThereistheexperienceofpens