【摘要】：社會養老保險基金個人賬戶基金作為社會養老保險基金中重要的組成部分，，是支撐社會養老保險制度的經濟資源，也是社會養老保險制度得以穩步運行的物質基礎，其能否安全運行關系到我國社會保障事業的成功，也關系到國家穩定和經濟安全。2012年4月份人力資源和社會保障部表示人社部將會同有關部門繼續對養老保險基金的投資運營模式、管理機制、政策措施等進行深入研究，抓緊制定基本養老保險基金投資管理辦法，促進基金保值增值，維護廣大參保人的切身權益。這無疑是養老保險基金投資多元化的一個信號。個人賬戶作為社會養老保險基金中最具有活力和靈活性的基金，其投資運營與監管相關法律問題亟待規范。從個人賬戶基金的性質、特點入手，分析適應個人賬戶基金性質與特點的投資運營模式及相應的法律監管制度。反觀我國個人賬戶基金監管立法滯后、監管分散化，管理機構獨立性不強和行政監管職能不清的現實，并考慮到金融體系系統性風險、信息不對稱帶來的風險和道德風險等嚴峻挑戰，明確了各主體的權利義務；同時考慮到我國現實的金融環境，監管模式在現階段應選擇嚴格限量監管，并從投資運營模式的選擇上以及融資機構的準入條件上具體對個人賬戶基金的投資運營進行監管限制，最后從完善法規的方面對個人賬戶基金的投資運營監管進行法律體系方面的完善。
[Abstract]:As an important part of the social pension insurance fund, the personal account fund of the social pension insurance fund is the economic resource to support the social endowment insurance system, and it is also the material foundation for the steady operation of the social pension insurance system. Its safe operation is related to the success of social security in our country. It is also related to national stability and economic security. In April 2012, the Ministry of Human Resources and Social Security said that the Ministry of Human Resources and Social Security, together with relevant departments, would continue to conduct in-depth studies on the investment and operation mode, management mechanism, policy and measures of pension insurance funds. We should formulate measures for the investment management of basic pension insurance funds, promote the maintenance and increase of the value of funds, and safeguard the immediate rights and interests of the broad masses of insured persons. This is undoubtedly a signal that endowment insurance fund investment diversification. As the most dynamic and flexible fund in the social pension insurance fund, the personal account needs to be regulated urgently. Starting with the nature and characteristics of the personal account fund, this paper analyzes the investment operation mode and the corresponding legal supervision system adapted to the nature and characteristics of the individual account fund. On the contrary, the legislation of personal account fund in our country is lagging behind, the supervision is decentralized, the independence of management organization is not strong and the function of administrative supervision is not clear, and considering the systemic risk of financial system, The severe challenges of information asymmetry, such as risk and moral hazard, make clear the rights and obligations of each subject; At the same time, considering the real financial environment in our country, the regulatory model should be strictly limited at this stage. And from the choice of the investment operation mode and the access conditions of the financing institution, the supervision and restriction of the investment and operation of the personal account fund are carried out. In the end, we perfect the legal system of the investment and operation supervision of personal account fund from the aspect of perfecting the regulations.
【學位授予單位】：天津大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F842.67;D922.182.3

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