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建立我国基于风险控制的企业年金监管体系
引用本文:中国工商银行企业年金中心课题组.建立我国基于风险控制的企业年金监管体系[J].金融论坛,2006,11(11):23-30.
作者姓名:中国工商银行企业年金中心课题组
作者单位:The Study Group Of Occupational Pension,ICBC
摘    要:在我国企业年金制度启动后,为防范企业年金基金管理风险,必须建立一套行之有效的监管体系和监管方法。本文提出建立我国基于风险控制的企业年金监管体系,该体系是基于风险的金融监管理论在企业年金领域的应用和实践。建立基于风险的企业年金监管体系主要包括4个方面的内容:即确定企业年金的监管架构及适合我国国情的监管模式;建立统一的风险监管平台,开发统一的企业年金风险监管系统,统一企业年金监管风险管理工具和风险指标,形成支持协同监管的技术系统平台;完善规章制度体系,奠定监管基础;切实严格执行管理机构的准入制度,形成优胜劣汰良好机制。

关 键 词:企业年金  监管体系  风险控制  养老金制度
文章编号:1009-9190(2006)11-0023-08

Setting Up a Regulatory System for Occupational Pension Based on Risk Control in China
The Study Group Of Occupational Pension, ICBC.Setting Up a Regulatory System for Occupational Pension Based on Risk Control in China[J].Finance Forum,2006,11(11):23-30.
Authors:The Study Group Of Occupational Pension  ICBC
Abstract:After Occupational pension system is in force,there must be an effective regulatory system and method to avert management risk faced by fund for Occupational pension.In this paper,it is proposed that a regulatory system for Occupational pension based on risk control be established to apply related theory on financial regulation to Occupational pension.Such a system consists of four elements: 1) set up a regulatory framework and China-specific regulatory model;2) put in place a consistent risk regulation platform and risk management system with consistent management tools and index so as to build up a technical platform in coordination with regulation;3) improve various rules and regulations to lay a solid foundation for regulation;and 4) abide by the access system of administrative bodies strictly and usher in the favorable mechanism of survival of the fittest.
Keywords:Occupational pension  regulatory system  risk control  pension system
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