Research On The Investment Management System Of Basic Pension Insurance Funds Under The Background Of National Overall Planning

As an important means to ensure the sustainable development of my country’s endowment insurance system,the entrusted investment of the basic endowment insurance fund has achieved good returns since the system was implemented.With the accelerated promotion of the national overall planning of basic pension insurance,the national overall planning reform of basic pension insurance will be implemented in early 2022,and the pension insurance policy and the management of income and expenditure of pension insurance funds will be gradually unified nationwide during the "4th Five-Year Plan" period.After the implementation of national overall planning of basic pension insurance,the overall planning level and management mode of basic pension insurance funds will be changed,and it will also have a huge impact on the current entrusted investment system of basic pension insurance funds.What challenges and opportunities will the current entrusted investment system face under the background of implementing the national pooling of basic pension insurance?Can it adapt to the new situation and new requirements?These are topics worthy of in-depth study at present and in the future.This paper uses the methods and theories of public management to study the current basic pension insurance fund investment management system and reform direction,and deeply analyzes the investment of my country’s basic pension insurance funds from the perspectives of the establishment and development of the system,investment model and investment scope.Management system,analyzes the characteristics of the current investment management system,points out the problems and causes of the current basic pension insurance fund investment management system under the background of national overall planning,and puts forward targeted countermeasures to solve the problem.At the same time,through the comparative analysis method,the typical cases of pension fund investment and operation in western developed countries such as Britain and Canada are collected,and their different operation modes and relevant experience are analyzed,and the analysis and comparison are made with the current investment management mode of basic pension insurance funds in my country.Extract and summarize the experience worthy of our country’s reference.Through research,this paper believes that the existing basic pension insurance fund entrusted investment management methods still need to be improved.At the local government level,there is a problem that the local government’s entrusted investment willingness declines under the national overall planning.The problem of poor cohesion,and at the same time,the existing regulatory structure is difficult to adapt to the expansion of the market and the main body.The social security fund itself and its supporting investment management system also need to be further reformed.If these problems cannot be sorted out,it will affect the basic pension insurance fund.investment and operation,hindering the sustainable and healthy development of social insurance.To this end,this article starts from four aspects:establishing a scientific and effective incentive and restraint mechanism for local governments,accelerating the construction of a legal system that is compatible with national overall planning,establishing a leading institution for pension insurance fund investment supervision,and gradually reforming the single trustee system with the social security foundation as the core.Countermeasures and suggestions are put forward.