摘要
《农民工参加基本养老保险办法》于2月5日破冰而出,可携带的、完全积累的、个人账户模式化解了农民工养老权益无法转移的难题,但是做实个人账户,实现农民工养老基金的保值增值运营又成为了新的研究课题。本文在制度解读的基础上,以企业年金运作现状与模式为参照,认为构建以养老保险公司为受托人、账户管理人、投资管理人的"3+1"运作模式,实现农民工养老保险基金的市场化运营是农民工养老制度可持续发展的关键所在。
The ＂Provisions on Participation in the Basic Social Pension Insurance by Off-farm Workers＂ was formally enacted on February 5. The portable and fully accumulative individual account model has solved the transfer problem faced by pension funds of off-farm workers. However, how to replenish the individual account and guaran- tee or increase the value of the pension fund remains to be further studied. Based on the analysis of the insurance system, this paper took the current operation and model of the supplementary corporate annuity insurance as a reference. The author held that the key to the sustainable development of this system was to build a ＂3 ＋ 1＂ operation model which used pension insurance companies as trustees, account and investment managers, and to adopt a market-oriented operation of the pension funds of off-farm worker.
出处
《保险研究》
CSSCI
北大核心
2009年第5期57-63,共7页
Insurance Studies
关键词
农民工
养老保险
基金
运营
创新
off-farm workers
,pension insurance
funds
operation
innovation
