Reseach On The Risk Management Of The Urban Employrrs' Basic Pension Insurance Fund Operation Inhengyang

At the advent of the 21st century,our country becomes an aging society before it becomes rich and structure.As a core part of social security funds,pension insurance fund is the most material guarantee to solving the pension problem without doubt.However,in accompany with the complication of the reform to institution about pension,the income of endowment insurance fund can't cover the expenditure,the misusage and misappropriation o the fund,the "empty rise" of the individual account,the difficulties of fund value's maintenance and appreciation have become increasingly prominent in the process of basic pension fund operation.Such risks are great threats to the safety of the fund.Therefore,only by strengthening the risk management of pension insurance fund operation can we ensure its benign operation,promote national economic development,maintain social stability and harmony as well as solve the pension problem fundamentally.This article chooses the Urban Enterprise Employees'endowment insurance fund management in Hengyang as the research object,starting from the operation status of Hengyang's basic endowment insurance fund,makes a comprehensive analysis of the main risks affecting the safe operation of Hengyang's basic endowment insurance fund as well as the reasons by using the methods of literature analysis,data analysis and empirical study,then propose some feasible countermeasures to build a long-term mechanism of the Risk Management of the Urban Employees' Basic Pension Insurance Fund Operation in Hengyang.The research achievement is not only beneficial to better regulate the risk management system of endowment insurance fund in Hengyang and improve the risk management level of the pension insurance,but also promote the sustainable operation of local pension insurance fund guarantee the profit of employees and retired workers as well as provides the reference for other regions.The this article primary research contents as follows shows:(1)Theory summary:defines the meaning of the pension insurance system and the endowment insurance fund as well as makes a necessary instructions to their related contents;makes a brief analysis of domestic and foreign fund operation management mode;describes the theory related to risk management of endowment insurance fund operation.(2)Status introduction:describes the present situation of Hengyang urban employees' basic endowment insurance fund operation in detail through the data analysis and field investigation.(3)Risk analysis:makes an in-depth analysis of the operation risks of urban employees' basic pension insurance fund in Hengyang from the collection,pay and operation links respectively.(4)Countermeasures study:according to local actual situation,recommends to perfect the risk management of urban employees' basic pension insurance fund in Hengyang and proposes some reasonable measures to dissolve the risks.