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我国基本养老保险实行社会统筹与个人账户相结合的制度。由于个人账户基金的支付高峰在20年以后,因此在相当长的时期内,大量做实的个人账户基金将迅速沉淀。以辽宁为例,从2001年7月至2002年底,全省已上解到省的个人账户基金合计47.9亿元,今后几年还将以每年30亿元左右的额度逐年增加。所以,探讨个人账户基金的运营管理体系,研究其投资策略,使个人账户基金得以最大限度的增值,显得十分必要。
China’s basic old-age insurance implementation of social pooling and personal accounts of the system. Since the peak in the payout of individual account funds occurs after 20 years, a substantial amount of solid personal account funds will precipitate quickly for a long period of time. Take Liaoning as an example. From July 2001 to the end of 2002, the province has learned that the province’s personal account funds total 4.79 billion yuan and will increase at an annual rate of about 3 billion yuan a year in the coming years. Therefore, it is very necessary to explore the operation and management system of individual account funds and to study its investment strategy so as to maximize the value of individual account funds.