Study On The Optimization Of The Supervision Mechanisms On China'endowment Insurance Fund

Endowment insurance fund are the special funds which are collected and set up according to law, units and individuals in accordance with a certain percentage of the financing of insurance premiums and funding by the state and society. Now, with the increase of rural pension fund as well as the increasing complication of operating environment, rural pension fund have been appropriated frequently. Therefore, how to enhance the validity of the Supervision mechanisms of rural pension fund and how to promote the value of rural pension fund are the urgent problem for the government departments and academic circles.Pension Insurance Fund regulatory mechanism as the security system for old-age insurance system is to ensure that the pension fund normal safe and stable operation, the institutional arrangements through the formation of the collection of the Pension Insurance Fund, investment operations, fund supervision in areas such as the various elements contact and interaction between the model and its mode of operation of the general. it includes some basic forms, such as, Legal safeguard mechanism, Information dissemination mechanisms, Supervision and coordination mechanism, responsibility ascertain mechanisms, Prevention early warning mechanism. Since 90s of the 20th century, the Government has done much Continuous optimization in so many aspects such as Pension Insurance Fund regulatory organization, Regulation of the legal system, and also achieved considerable results. However, in our country, the entire social security system is still the initial stage; there is still a certain lack in endowment insurance fund regulatory mechanism, which are displayed by many specific performance,such as, legal safeguard mechanism, legal protection mechanism is not perfect, the transparency of fund supervisory information is not high, information dissemination mechanisms are inadequate, the main interaction force of the funds supervision is not perfect, supervision and coordination mechanism is inadequate, as well as fund safety risk assessment of imperfect preventive and early warning mechanism is not perfect.National Pension Insurance Fund from the typical practice of supervision, Combination of different countries, their level of economic and financial market development and financial regulatory practices, Adopted a different regulatory systems and regulatory approach. The regulatory approach of the regulatory mechanism of Pension Fund has provided some experience building Inspiration, like should be to promote the legalization of the Supervision of pension funds, should be to promote professional of the Pension fund supervision , should be to promote the information of the Pension fund supervision. Combination of China's social development reality as well as the foreign experience in endowment insurance fund, which optimize the supervision mechanisms of endowment insurance should follows these principles, for example, entirety,holistic, systematic, compatibility, and legality: to make the fund management risk early warning system perfect, improve the prevention early warning mechanism, improve information dissemination mechanism to enhance the various supervision force, improve accountability mechanisms and the legal system to speed up the process of regulation of funds, simultaneously improve the legal protection mechanisms.