Study On The Value Maintenance And Appreciation Of The Social Insurance Funds

The social insurance funds(hereinafter referred to as the Social Security Funds),which are special public funds established by the government in accordance with the law to provide financial assistance to the social members who have lost their ability to work and maintaining their basic living,plays an important role in the people's livelihood security and improvement and social harmony maintainment.Since its inception,the China social insurance funds have been developing rapidly.As of the end of 2015,the China social insurance funds have basically covered the whole population and accumulated up to 6 trillion yuan.On the other hand,as the social insurance funds cumulative balance is growing,the pressure on the social insurance funds prestation is also increasing.One reason is notional individual account due to some historical reasons.The second reason is the rapid population aging led to a growing deficit.Therefore,it is necessary to pay attention to the research of the value maintenance and appreciation of the social insurance funds.From the perspective of the value maintenance and appreciation,this paper analyzes the situation of the value maintenance and appreciation of the social insurance funds management.The text is divided into six parts.Part one is the exordium.Through the background of the topic,the significance of the value maintenance and appreciation of the social insurance funds management is discussed,and the main viewpoints and theories about the value maintenance and appreciation of the social insurance funds at home and abroad are introduced.Part two is theoretical analysis.Firstly,this paper defines the relevant concepts about the value maintenance and appreciation of the social insurance funds,and then introduces the public interest theory,public choice theory and portfolio theory as the research foundation of this paper.Part three is the problem posing and analysis of reasons.Through the analysis of the case of the value maintenance and appreciation of City Y social insurance funds in recent years,this paper points out the deficiencies existing in the value maintenance and appreciation of China social insurance funds management,and then analyzes the reasons of these problems.Part four is the international experience reference.Taking the United States,Australia,Chile,Northern Ireland as some examples,this paper analyzes the characteristics of these countries in the the value maintenance and appreciation of the social insurance funds management,and summarizes the experiences which are worth of learning.Part five is to put forward some countermeasures to deal with these problems.Combined with the new changes in the domestic economic situation and continuous financial reform,aiming at the present problems and the profound reasons in the value maintenance and appreciation of the social insurance funds,the author puts forward some countermeasures to improve the value maintenance and appreciation of the social insurance funds management,and designs new supervision and management framework,which are constructive to improve the existing theories and practice of the value maintenance and appreciation of the social insurance funds.Part six is the conclusion,which reviews the special points and deficiencies in the study of the value maintenance and appreciation of the social insurance funds management.