|本期目录/Table of Contents|

[1]孙韡华,张映芹.养老保险个人账户低效运行的产权制度分析[J].长安大学学报(社科版),2009,11(02):7-12.
　SUN Wei-hua,ZHANG Ying-qin.Analysis on property rights in inefficient operation for personal accounts of endowment insurance[J].Journal of Chang＇an University(Social Science Edition),2009,11(02):7-12.
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养老保险个人账户低效运行的产权制度分析(PDF)
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《长安大学学报（社科版）》[ISSN:1671-6248/CN:61-1391/C]

卷:
第11卷
期数:
2009年02期
页码:
7-12
栏目:
本刊关注
出版日期:
2009-06-20

文章信息/Info

Title:
Analysis on property rights in inefficient operation for personal accounts of endowment insurance
作者:
孙韡华1; 2; 张映芹1
1. 陕西师范大学 国际商学院,陕西 西安 710062; 2. 延安大学 西安创新学院,陕西 西安 710100
Author(s):
SUN Wei-hua1; 2;  ZHANG Ying-qin1
1. School of International Business, Shaanxi Normal University, Xi'an 710062, Shaanxi, China; 2. School of Xi'an Creation, Yanan University, Xi'an 710100, Shaanxi, China
关键词:
养老保险;  个人账户;  产权利益;  产权制度
Keywords:
endowment insurance;  personal account;  interest of property right;  property system
分类号:
F840.67
DOI:
-
文献标志码:
A
摘要:
为从理论上探索提高养老保险个人账户运行效率的途径,运用产权理论和相关文献分析了个人账户低效运行的根源。分析认为,导致个人账户低效运行的主要原因是产权界限模糊和产权制度缺失。分析结果表明,提高个人账户运行效率的关键在于规范的产权制度和健全的管理体制,其中包括:明确界定个人账户产权的私有属性,发挥产权的效率功能; 加强产权立法建设,维护缴费者私人财产权益; 个人账户与统筹账户分账管理,保障个人账户产权安全; 充分披露个人账户信息,防止产权分割重组中的道德风险。
Abstract:
To explore the way to improve operating efficiency of personal accounts system of endowment insurance system, this paper uses the theories of property right and related literatures to analyze the causes of inefficient operation of the system. The analysis shows that the main reasons why personal accounts can not be defined clearly and there is a lack of property rights system. The research finds that the key points lie in the property rights system and sound management system, including clearly defining the private property ownership of personal accounts, fully displaying an efficient function of property rights, strengthening the legislative building of property rights, protecting the rights of private property, well managing individual accounts and co-ordinate accounts, safeguarding the personal property security, fully releasing the personal account information so as to prevent the moral hazard in division and reorganization of property rights.

参考文献/References:

[1] 林 义.东欧国家养老保险基金管理的启示[J].经济学家,1999,11(3):99-104.
[2]李 珍,刘昌平.论养老保险基金分权式管理和制衡式监督的制度安排[J].中国软科学,2002,7(3):8-13.
[3]万解秋,贝政新,黄晓平,等.社会保障基金投资运营研究[M].北京:中国金融出版社,2003.
[4]刘昌平.养老保险制度“划资偿债”战略研究[J].中南财经政法大学学报,2006(4):102-106.
[5]徐智华.完善我国养老保险制度的若干问题[J].中南财经政法大学学报,2002(1):103-108.
[6]科斯,阿尔钦,诺斯,等.财产权利与制度变迁:产权学派与新制度学派译文集[M].刘守英,译.北京:三联书店,2004.
[7]刘子兰.中国农村养老社会保险制度反思与重构[J].管理世界,2003,19(8):46-56,80.
[8]潘晓红,赵小剑.广州8亿元社保基金被挪用调查[J].财经,2004(7):54-57.

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　ZHAO Dingdong,LU Yaoyue."Mismatch of supply and demand" and policy accessibility of the rural oldage care through combination of medical treatment and endowment[J].Journal of Chang＇an University(Social Science Edition),2020,22(02):86.

备注/Memo

备注/Memo:
收稿日期:2008-12-10 基金项目:陕西省软科学基金项目(2006HR34) 作者简介:孙韡华(1983-),女,陕西西安人,延安大学助教,陕西师范大学管理学硕士研究生。
更新日期/Last Update: 2009-06-20