摘要
随着中国经济和金融体制改革的不断深入,社会保障制度特别是养老金制度也发生了剧烈的变革,逐步建立起社会统筹和个人账户相结合的养老保障体系,包括了国家基本养老保险、企业年金和个人储蓄养老保险三个支柱,养老基金也随之正式登陆中国资本市场。养老金是退休人员的"养命钱",其性质决定了它在满足盈利性、流动性的前提下必须保持更低风险的特点,决定了它在风险管理上的高要求。
With China＇s economic and financial reform, the social security system, especially the pension system, has experienced dramatic reforms. Along with the establishment of the pension system, which includes national pen- sions, enterprise annuities and personal savings, the pension fund has become one of major players in the Chinese capital market. However, as＇ life-savings＂ for the retirees, pension funds require a high level of safety together with profitability and liquidity, which prescribes the importance of risk management for pension funds management. The paper made a pioneering research on comprehensive risk management for pension funds.
出处
《保险研究》
CSSCI
北大核心
2009年第9期84-92,共9页
Insurance Studies
关键词
养老金
企业年金
全面风险管理
pension fund
enterprise annuities
comprehensive risk management
作者简介
[作者简介]耿靖，国际金融博士，美国加州大学伯克利分校研究员，现任长江养老保险股份有限公司首席风险总监。
