A Study On The Risk Of Chinese Social Endowment Insurance

The pension insurance fund is one of the most important parts of Chinese public social security fund,which plays an extremely important role in not only people's basic life but also the development of our society.During the period of Chinese economic transformation,the policies of pension insurance are constantly adjusted and changed.The operation of pension insurance fund has many different sectors,which might have potential risks in different departments that will threat security of the insurance fund.Therefore,it is optimization of operation,improvement of management and effectively preventing the risk that can keep the social pension insurance fund run in a healthy way,which also has a practical significance.Firstly,this paper introduces the background and significance of the topic.Then it analyses status of operation of the pension insurance fund from the operation mode and the operation risk.The risk of the pension fund is divided into external risks and internal risks.The external risk is mainly from financial risks,and the internal risk includes financing risk,investment risk,management risk and payment risk.For the external risks,mainly introduces the concept and classification of financial risk,and focuses on Va R method,and calculate the Va R by different methods to measure the risk.For the internal risk,according to the classification and analysis of the risk,I set up a system of operation risk for pension insurance fund,and use AHP to measure the comprehensive evaluation of the internal operational risk.Finally,according the previous analyses,this article puts forward some suggestions on the risk management of the pension insurance fund.