企业年金投资的风险及其规避

投资运营是企业年金保值增值的关键环节，而有投资必有风险。本文从规避企业年金投资风险的角度，将企业年金投资风险分为三个层次：宏观经济变动引起的风险；企业年金在市场运营中产生的风险；企业年金投资运作主体引起的风险。引起投资风险的因素不同，则控制风险的措施不同。在风险识别的基础上，以创新理论为基础，从制度创新与技术创新两方面探讨了规避年金投资风险，获取较高、稳定收益的措施。

The Risk And Control Of Occupational Pension Investment

In this paper, on the basis of researching occupational pension investment,we have found out the risk of occupational investment,and we can divide the risks into three levels to avoid the them, In the risk identification on the basis of innovation theory, the system innovation and technological innovation both sides of the annuity to avoid investment risk, access to higher and stable revenue measures.