财经研究
財經研究
재경연구
The Study of Finance and Economics
2008年
3期
4~17
,共null页
统筹城乡 个人账户基金 市场化运营结构效应 风险规避效应 城乡分离运营 政策搭配
統籌城鄉 箇人賬戶基金 市場化運營結構效應 風險規避效應 城鄉分離運營 政策搭配
통주성향 개인장호기금 시장화운영결구효응 풍험규피효응 성향분리운영 정책탑배
balancing urban and rural residents; individual accounts funds; investment in the capital market; structural effect~ risk aversion effect;separation of urban and rural carriers;policy mix
我国社保制度建设已步入“快车道”，统筹城乡的基本养老保险个人账户基金市场化运营迫切、适时。文章梳理相关环境因素，构建基于微观主体分类的效用函数，通过一般均衡分析刻画出基本养老保险个人账户基金市场化运营的经济机制和经济效应，进而设置了“以中低收入群体福利为标的、采取城乡分离运营”的统筹城乡基本养老保险个人账户基金市场化运营模式，最后安排了补充的政策搭配。
我國社保製度建設已步入“快車道”，統籌城鄉的基本養老保險箇人賬戶基金市場化運營迫切、適時。文章梳理相關環境因素，構建基于微觀主體分類的效用函數，通過一般均衡分析刻畫齣基本養老保險箇人賬戶基金市場化運營的經濟機製和經濟效應，進而設置瞭“以中低收入群體福利為標的、採取城鄉分離運營”的統籌城鄉基本養老保險箇人賬戶基金市場化運營模式，最後安排瞭補充的政策搭配。
아국사보제도건설이보입“쾌차도”，통주성향적기본양로보험개인장호기금시장화운영박절、괄시。문장소리상관배경인소，구건기우미관주체분류적효용함수，통과일반균형분석각화출기본양로보험개인장호기금시장화운영적경제궤제화경제효응，진이설치료“이중저수입군체복리위표적、채취성향분리운영”적통주성향기본양로보험개인장호기금시장화운영모식，최후안배료보충적정책탑배。
It is urgent and feasible for urban and rural residents to invest the basic pension individual accounts funds （BPIAF） in capital market when we improve the systems of social security. Based on the environment, the paper constructs the utility functions of the different agents to analyze the mechanism and the economic effects about BPIAFs investing in capital market. Furthermore, we design the investment pattern in which rural funds separate from the whole BPIAFs and the middle-low-incomer welfare has been stressed. At last,we arrange the policy mix.
