Legal Regulation Of Pension Market

Pension is the most important guarantee of life for most of the elderly citizens in our country.However,the pressure of pension payment is increasing with the aging of population in our country.In the background of increasing payment pressure and rising inflation,The benefits of traditional pension investment is not enough to ensure the preservation and appreciation of the pension fund,in this case,the pension market is imperative.?Measures for the administration of investment in basic pension insurance funds?begin to implement,which is a symbol of China's pension fund officially entered the market.March 2016,The State Council approved <National Social Security Fund Ordinance>,said the National Social Security Fund Council can accept the entrustment of the provincial government,in order to manage and operate the social insurance funds.March17,2017,Southwest Securities be investigate by the commission for its violation of securities laws and regulations.Based on the above facts,the purpose of this paper is to explore the current pension market`s legal analysis and risk analysis,in order to draw a conclusion of the current pension`s market laws and regulationsThis paper mainly adopts case analysis,comparative study,historical analysis method,combined with national conditions,illustrate the rationality and feasibility of the pension market,and uses the case to expound that we should be the correct measure of risk and return of pension market,which shows that the pension market exist risks and legal regulations are not effective enough to protect the pension into the City,Then analysis the pension market of foreign countries` regulation measures and combined with the lack of legal regulations of China's reality and current pension market,to give the suggestion on the pension market`s laws and regulations.So the article mainly divided into four parts.The first part,the rationality of the pension market and its legal considerations.This part mainly discuss the current social transformation,the necessity and feasibility of the pension market and in the perspective of the law consider the pension market`s benefit.Then through the case analysis the pension market benefits and risks.So in the current legal conditions,we should correctly weigh the balance of benefits and risks.The second part,the risk of the pension market and legal regulation.By analyzing the types of risk in the process of pension market,the author points out that the pension is enter the capital market that full of risk.There are two combine legal regulation measures: in the microcosmic measures we need specific risk control measures and in the macroscopic measures we need legal and regulations measure.Thus,indicates the deficiencies of the current legal regulation`s market access,operation,exit and risk compensation.The third part is about the legal regulation measures and experiences of overseas pension market.Under the understanding of China's pension market regulation`s insufficient and through a comparative analysis of relevant legal regulation measures of representative countries and summarize the beneficial experience of China's pension market supervision.Then illustrates it need to pay attention to the choice of the market,establish the specialized supervision mechanism,build the pension market,emphasize the role of government for the pension market.The fourth part is to improve the legal regulation of China's pension market.Summarizing the lack of above legal regulation of pension market,combining the current situation of our country,learning from the valuable experience of foreign pension market regulation.At last,points out the direction of China's pension market: set up complete legal system,Make sure there are laws to abide by;establish and improve the pension market risk prevention and compensation system,to protect national plan and people's livelihood;strengthen the pension market legal supervision;to maintain the normal operation and maintenance of pensions;improve the related transactions and information disclosure system,to create an open and transparent market environment.