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A Study on the Fund Regulation of the Social Old-age Insurance in China

Author: SunXiangQian
Tutor: BaiFengZuo
School: Shanxi University of Finance
Course: Social Security
Keywords: fund of the fundamental Old-age insurance system of the fundregulation organization fund supervision mechanism
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Type: Master's thesis
Year: 2014
Downloads: 5
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Abstract


Old-age insurance system is an important part of social security system in ourcountry. It is the "stabilizer" and "safety net" of the modern economic society. As thematerial guarantee role of system operation, the safety and integrity of it are directlyrelated to people’s vital interests and social stability.At present, with the expanding of the coverage of Old-age insurance system inChina, the security level unceasing enhanced, the amount of funds also have beenexpanded. It is getting more and more attention to the safety and its value. After years ofexploration, legal construction and system construction in the fund supervision in Chinahas made certain achievements, which formed a mode of given priority to departmentsof labor security administrative supervision, at the same time, financial supervision,audit supervision, legal supervision, social supervision and internal control arecomplementary. But in nowadays China, the fund regulatory power and regulatoryrequirements are still not match, poor regulation caused a serious problem, such asmisappropriate funds diverted violations; Low return on investment, fund depreciationshrink; Some companies managed to default or leak insurance premiums; Ginsengprotect people retire ahead of schedule, and fraud charges etc, which are greatchallenges for the security and adequacy of the funds.China’s current fund regulatory problems mainly include: Funds management andsupervision did not implement separation to form the self-regulation; Legal system isnot sound, local difference, small punishment; Strictly limited regulatory limits themarketization operation of fund, investment income is low; The fund managementorganization lack of supervision, rigidify management and low efficiency. Aiming atthese problems, we should improve the Old-age insurance fund supervision system inChina mainly from three aspects: First of all, perfect the fund supervision legal system.Improve the legislative level, mainly focus on perfecting legal construction on fundraising, fund investment and fund to pay. Secondly, perfect the supervision organizationsystem. Starting from the existing organization system, give full play to the systemadvantage, build a regulatory system with the core of pension fund supervisioncommittee, to ensure the independence of the regulator, straightening out relations withHuman Resources and Social Security department, recharge of the responsibility, builda fund regulatory organization structure with advocate complementary trenchant andmultiple regulation. Thirdly, establish Old-age insurance fund risk management mechanism from the fund investment risk early warning mechanism and informationdisclosure system two aspects.

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