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随着社会和经济的发展,养老金制度己成为世界各国一种普遍的社会经济制度。世界人口的老龄化使得各国的养老金面临严峻的挑战,养老金的支付压力成了令各国头疼的问题。我国作为老龄化最严重的国家之一,养老金基金是一个庞大数字,如何科学地投资及管理,也非常复杂。依据我国规定,目前各级政府的养老金基金只能购买国债和存在银行,这存在风险和收益率低下的问题。如何应对老年高峰期养老金的支付危机以及如何做好养老金基金的保值增值工作是目前摆在我们面前的难题,这也直接关系着我国社会稳定与经济发展.因此,本文旨在从理论的角度对养老金基金的投资及管理进行一定的探讨。
With the social and economic development, the pension system has become a universal social and economic system in all countries of the world. The aging of the world’s population poses a serious challenge to the pensions of all countries and the payment pressure of pensions has become a problem for all countries. As one of the most aging countries in our country, the pension fund is a huge number. How to invest and manage it scientifically is also very complicated. According to China’s stipulations, at present, the pension funds at all levels of government can only purchase government bonds and banks, which poses the problem of low risk and yield. How to deal with the crisis of the payment of old-age pension and how to do the job of maintaining and increasing the value of the pension fund are the problems that are currently facing us, which is also directly related to the social stability and economic development in our country.Therefore, From the perspective of the pension fund investment and management of a certain discussion.