本科论文摘要近年来，我国人口老龄化的问题越来越严重，老龄化发展趋势已然跟不上经济发展的速度，国家逐渐步入未富先老的境地。养老保险基金随即产生并逐年扩大规模，虽说在一定程度上能够解决这一问题，但从数据上分析，养老保险基金的发展毕竟很不成熟，目前还存在一些问题尚未解决，如不够多样化的投资手段，投资范围太窄和严重短缺的专业财务管理能力，这些问题导致养老保险既定的目标难以实现。本文的研究建立在养老保险基金的投资的基础上，简述了养老保险基金的收益投资现状，点明了投资中出现的问题以及存在的风险，结合国内外经验针对其风险提出自己的一点小小的见解。关键字：养老保险基金，投资收益，投资风险本科论文AbstractIn recent years,China's aging problem has become more and more serious,the agingtrend has been unable to keep up with the speed of economic development,the country hasgradually stepped into the state of getting old before getting rich.Endowment insurance fundcan develop and expand year by year,but from the data analysis,the development of theendowment insurance fund,after all,is not very mature,at present there are still someproblems unsolved,such as not enough diversity means of investment,investment scope istoo narrow and the serious shortage of professional financial management ability,theseproblems lead to endowment insurance established difficult to achieve.Based on theinvestment of endowment insurance fund,this paper briefly describes the status quo ofincome investment of endowment insurance fund,points out the problems and risks in theinvestment,and puts forward some opinions on the risks based on the experience at home andabroad.Key words:Endowment insurance fund,Investment income,Investment risk本科论文目录前言1.我国养老保险基金的基础理论1.1养老保险基金的相关概念21.2养老保险基金的筹资模式…2.养老保险基金投资收益现状32.1养老保险基金的现状.…2.1.1我国养老保险制度的发展历程32.1.2我国养老保险基金结余规模概况.42.2养老保险基金投资存在的问题…2.3养老保险投资问题的成因…3.我国养老保险基金投资模式选择.3.1养老保险基金投资管理模式比较分析…3.1.1基金投资模式选择的影响因素.…3.1.2基金投资管理模式的类型3.2我国养老保险基金投资管理模式选择3.2.1基金投资管理模式的比较3.2.2基金投资管理模式的选择94.养老保险基金投资管理….104.1养老保险基金投资工具….104.1.2基金投资工具选择.….104.2养老保险基金投资策略..114.2.1积极型投资策略.….114.2.2稳健型投资策略….114.3养老保险投资策略的选择..115.养老保险基金投资的风险防范机制.5.1养老保险基金投资的风险分析….135.2防范养老保险基金投资风险的对策.14.16致谢17参考文献.18