Research On The Investment And Operation Of Basic Pension Insurance Fund For Urban Employees In J Province

With the continuous development of the market economy,the rapid improvement of national material living standards and the continuous improvement of medical standards,the aging of the population is getting worse,the issue of residents’ pension has become a hot topic related to people’s livelihood.However,Province J is facing the dual pressures of aging and insufficient pension reserves.It is of great practical significance to study the fund investment and operation of basic pension insurance,the backbone of the "three pillars" of pension insurance.Among them,the basic pension insurance for urban employees has a large number of participants and a huge amount of balance.It is related to the vital interests of each insured public.But for a long time,the investment in the basic pension insurance fund for urban employees in J province is strictly controlled by national policies,we can only deposit in a bank or buy government bonds.Under the current economic situation,traditional investment channels such as depositing in banks or purchasing government bonds are no longer able to resist the risk of inflation,which has seriously affected the sustainability of the basic pension insurance system.This thesis takes the basic pension insurance fund for urban employees in J province as the research object,taking the funds historical data as an entry point,this thesis analyzes the operation scale,investment channels and investment income of the basic pension insurance fund for urban employees in J province,this thesis expounds the investment and operation status of the basic pension insurance fund for urban employees in J province.From the current situation,it points out that there are a series of problems in the investment and operation of the basic pension insurance fund for urban employees in J province: for example,in terms of collection and collection,there are problems such as a long way to go for collection and collection according to law,and operational risks in the collection process;in terms of operation and management,there are problems such as empty account operation of personal accounts and gaps in fund income and expenditure;in terms of fund investment,there are problems such as insufficient investment scale and single investment channels.Faced with the above problems,this thesis analyzes the causes of the problem from the perspectives of subjective reasons and objective reasons.Through the case of Guangdong Province entrusting the National Council of Social Security Fund to invest and operate the basic pension insurance fund for urban employees in this province and the case of investment and operation of the basic pension insurance fund for urban employees in Heilongjiang Province,the enlightenment for the investment and operation of the basic pension insurance fund for urban employees in J Province is summarized.And according to the policy orientation,from the perspectives of short—term,medium—long—term and national overall planning,it proposes feasible strategies for the investment and operation of the basic pension insurance fund for urban employees in J province.In the short term,we can consider investing in medium and long term bank deposits and government bonds or entrusting the National Social Security Fund.In the medium and long term,we can increase the insurance coverage,delay the retirement age,implement personal accounts,strengthen fund security management,train professional management personnel,improve the fund supervision system,strengthen fund legal protection,enrich fund investment channels,and optimize the fund investment environment.From the perspective of national overall planning,we can provide countermeasures for the investment and operation of the basic pension insurance fund for urban employees in J province from the perspective of "three steps".