摘要
随着养老保险个人账户加快做实,个人账户运营管理的安全和效率成为做实后的最大挑战。为克服政府主导运营管理模式的弊端,结合个人账户的私有化产权特点和养老保险制度公共性特点,应构建政府管制下的"市场化委托管理模式"。该模式主要特征为:个人账户基金管理委员会和中央担保公司作为个人账户行政主管部门;赋予缴费者自主选择基金公司参与投资权力,以实现个人账户私有产权的效率、专业化分工和共赢目标;通过内部制衡和外部监督保障基金安全。
With the acceleration and enrich of endowment insurance＇s personal account, the safety and efficieney of operation and management become the greatest challenge of the personal accounts. To deal with the drawbacks of government operated mold currently, combining the characteristics of private rights in personal account and public nature in endowment insurance system, we can build the model of market-oriented commission management. The main features of the model are as follows, establishing individual accounts＇ fund management committee and the central guarantee corporation as an administrative departments, giving contributors power to choose fund companies and investment strategies, achieving the efficiency of private property fights in personal account; achieving the goals of professional specialization and double-win situation; and protecting the safety of the fund through balance in internal and supervision in external.
出处
《经济与管理》
CSSCI
2010年第5期92-96,共5页
Economy and Management
基金
2006年陕西省软科学基金项目"完美陕西农村社会保障制度研究"(基金编号:2006HR34)研究内容之一
关键词
个人账户
市场化委托管理
personal account
market-oriented commission management
