The Research On Investment Regulation Of Pension Insurance Fund In China

Pension insurance, a kind of social security system, is to ensure the basic life need for the old, realize people’s vision—enjoying happy life by Pension insurance when they old. China is in the primary stage of socialism, having a large population, undeveloped society and economy, meanwhile, experiencing obvious ageing trend, which aggravate the situation of Pension insurance. Because of the particularity of pension insurance fund, effective supervision is needed for the pension insurance fund’s investment, to make sure the safety of pension.That requires us to chase effective investment measures to realize pension insurance value-added, to alleviate the increasingly serious pension pay pressure.From cases of pension misuse in many local places, the phenomenon clearly indicated that there exist many serious problems in temporary supervision system. There are many factors seriously lag the development of our country’s social security system, such as unclear duty of pension fund management for administrative management and business management, lacking social supervisor and professional of management for the pension fund, lagged Supervision legislation and informatization construction, and so on. Therefore, it is necessary to learn valued supervision experiences of typical models for pension fund investment from other countries, meanwhile, according to the investment and supervision principles and combination with the actual situation in our country, We can improve the system of investment supervision. For the supervision model, there are no other choices except model of diversity supervision and the mixed supervision of combination of quantitative restrictions regulation and prudent people. By these measures, it can ensure each supervisor doing his own business, making the pension fund’s investment of our country under effective supervision, realize the pension fund hedging and value added target.