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金融保险作业:如何保险个人账户中的财政补贴资金

论文作者:www.51lunwen.org论文属性:作业 Assignment登出时间:2013-09-03编辑:yangcheng点击率:8812

论文字数:论文编号:org201309022124275830语种:英语 English地区:中国价格:免费论文

关键词:养老保险保险金投资社会养老

摘要:我国社保基金的有效管理和保值增值问题长期以来都未能实现突破。对于具有自愿参保属性的国家新农保而言,基金的安全管理,有效营运,保值增值,应该成为农村居民是否选择参保的关键性约束条件。

新农保个人账户资金中政府财政补贴的那部分是不能被继承的,这将会影响到新农保制度的开展、资金的管理和运营、农民参保的积极性。为了使新农保制度的推行不受这些麻烦的干扰,可以考虑重新划分个人账户中的政府补贴资金。

New agricultural Insurance funds in individual accounts that part of government subsidies can not be inherited , which will affect the conduct of the new agricultural insurance system , funds management and operations , the enthusiasm of farmers insured . In order to make the implementation of new agricultural insurance system without the interference of these troubles , consider redrawing personal accounts of Government subsidies. 

 

如政府补贴资金划分给个人,可以被参保人的子女或亲属继承;或者,将个人账户中的财政补贴资金分类,依据参保者缴费年限的多寡给予相应的补贴和延伸福利。

Such as government subsidies allocated to the individual, can be insured person 's children or relatives inherit ; Or, personal accounts of financial subsidies to fund categories , based on the amount insured by the payment period to give the corresponding extension of subsidies and welfare . If the insured person dies before without pension , insurance can be divided into five years , 5-10 years , 10-15 years, 15 years four grades to give some subsidies or grants paid funeral corresponding method . For those who are pensioners case of death of the insured , if the account balance can still receive the balance of the year according to the number of its corresponding subsidy or grant given to the appropriate funeral subsidies to enable the insured person in any situation actually enjoy its benefits.

 

在基金的运营上,要实行行政管理与基金运营相分离、坚持市场化运营的原则。成立省级农村社会养老保险基金理事会,依法建立基金委托人、托管人、投资人制度,通过市场化公开招标的方式选择专业的基金管理公司负责运营管理。

On the operation of the Fund , to implement and fund administration operations phase separation , insist the principle of market-oriented operation . Establishment of rural social endowment insurance fund provincial council, according to the law establishing the Fund trustee , custodian, institutional investors , through market-oriented way of open tender to choose a professional fund management company is responsible for operational management. Pioneering fund investment channels , can be combined with the degree of development of domestic capital markets and the actual situation in the provinces diversified portfolio of investment operations. Such as buying government bonds, corporate bonds, debt , transportation bonds, loans and other ways to invest large public works, public facilities and public construction projects , both to ease the financial strain of these projects have contributed to achieve agricultural insurance fund and increasing the value of purposes.


"The new rural social pension insurance fund financial management Interim Measures" provides : the pilot phase, the implementation of the new agricultural insurance fund temporary county management , along with the pilot expanded and pushed , and gradually improve the management level ; conditional place can also be directly to the provincial management . This suggests that the new agricultural insurance personal account funds still in accordance with the management and operation of the "old farmer's insurance" fund management model , the implementation of county-level management, lack of innovation, and increasing the value of the fund is difficult . It is understood that the implementation of farmer Paul , I received social security payments are generally in the bank , because of low interest rates coupled with the rise in论文英语论文网提供整理,提供论文代写英语论文代写代写论文代写英语论文代写留学生论文代写英文论文留学生论文代写相关核心关键词搜索。

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