Pension Fund In China Operating Mode Management

Since the 1980s, thanks to an ageing population and exterior factors such as economic growth slowed, and pension mode selection, system design and so system the joint action within factors of the original endowment insurance system model to crisis. In countries around the world with their own old-age insurance system to reform, introduces accumulation pension system, will accumulate endowment insurance fund investment in capital market, so as to get good earnings, to cope with endowment insurance pay usance difficulties. In the world of endowment insurance fund investment practice accumulated much successful experience, but also had some failure.In order to deal with the aging of the population crisis, our country since the 1990s, the beginning of the original endowment insurance system reform. New endowment insurance system design requirements endowment insurance fund must obtain certain by investment rate of investment can guarantee system of the positive development, China's endowment insurance fund management confusion, investment yields very low, plus fund in operation process of the corruption and divert phenomenon, China's endowment insurance fund operation form severe. Endowment insurance fund could prevent erosion, can effective value, already is not only related to every member of society endowment problems, and the people's livelihood relates to the eyes.Therefore, the authors consider drawing lessons from international several endowment insurance fund operation relatively successful countries, absorb foreign successful perience, also summarizes their failure, and combining based on the present situation of its national complies with the international trend of endowment insurance reforms, some new attempt and innovation, reasonable design, suitable for China national fund operation management mode, improve China's endowment insurance fund operation performance,.This article from the endowment insurance of our country operation of the problems, analyses the endowment insurance fund operation on the existing problems of reasons, including investment yields low, huge recessive fund gap, fund divert, erosion, combining all over the world such as the direction of endowment insurance reforms, mainly analyzed several typical operation mode of foreign countries in China, thus establishing the new endowment insurance operation mode. First is the research background, significance and purpose, and the research at home and abroad were reviewed. This paper mainly introduces the definition of the involved and theory is introduced. The next mainly introduces China's endowment insurance fund operation mode, including China's endowment insurance is what kind of mode, China's endowment insurance operation mode existing problems and challenges. And analyzes several typical countries abroad, including operating mode of endowment insurance of private endowment insurance in Chile in the name of the operating mode and Sweden made mode and Singapore's account of the central provident fund mode of endowment insurance operation mode. Finally constructs the endowment insurance to China's national conditions, introduces the operation mode of China's endowment insurance operation mode, the principle, the goal from other countries on the basis of experience of constructing a suitable to China's national conditions, new endowment insurance operation mode. Our new endowment insurance operation mode need external environmental analysis, mainly including economic environment and political, legal system environment.