香港強(qiáng)積金制度研究.pdf

1、武漢科技大學(xué)碩士學(xué)位論文香港強(qiáng)積金制度研究姓名：郭紅燕申請(qǐng)學(xué)位級(jí)別：碩士專業(yè)：社會(huì)保障指導(dǎo)教師：鄧澤宏20070420第1I頁武漢科技大學(xué)碩士學(xué)位論文AbstraetResearchshowsthattheconditionofthethreepillarsoftheoldageinsuranceiSreasonablewhenthereplacingrateis40％，30％，and10％respectivelyHowever0111

2、“country’Srateisupto85％and90％ObviouslythisWasunreasonable，whichwillbringhugeburdenandriskforthemanagementofthefundAtthesametime，thiswillmaketheoldageselfassistancetobeinalluselessconditionConverselythiswillalsoenlargethe

3、burdenofthesocialoldageiusuraneeandturnsouttobeanawfulcycleNowadays，ourcountryistryingtoadaptthevolunteeringmodelwhichissimilarto401KofUSAHoweverIfweintendtograduallycombinetheindividuals’accountwiththeenterprises’annuit

4、yinthefuture，thenthemodelofourcountry’SannuitysystemwillundoubtedlymoveclosertothemandatoryprovidentfundsystemofHongkong耵1emandatoryprovidentfimdplanisthesecondpillarofthethreepillarsupportingsysteminthewholesocialinsura

5、ncesysteminHongkongnemandatoryprovidentfundisakindofsupplementaryoldageinsuranceplaninpracticeasDCplanwhichsharessomesirnilaritieswiththeenterprises’annuityplaninthemainlandChinaTherefore，tolearnfromtheprocessingmanageme

6、ntoftheMandatoryProvidentFundmeangreattotheconstructionofourownenterprises’annuityplanChapter2analyzesthetheoriesandprocessoftheold—ageinsurance，andtheconcerningconceptsofitn塘oldagefundWasintroducedfrom2aspects，according

7、tothewaythefundraises，namely，PayasyougoandPayasyouinThenthispaperusesthetheoriesastheAnticipatedIncomeTheoryanddepositcycletheorytoexplaintheoldageplan；Finally，throughtheIntroducingthecontentsofsomeprominentoldageplansin

8、somecountries，suchasSingapore’SCentralProvidentFundtheChileanPensionSystem401KofUSAtolayfoundationforthenextintroduceofthemandatoryprovidentfundplanofHongkongSOastoputtheplanintoanoverallframeworktomaketheinternationalco

9、mparisonandlightenitscharacterChapter3mainlyintroducesthemandatoryprovidentfundplanFirstittalksaboutthedesigningideaofthesocialsecuritysystemofHongkongThecurrentlowwelfarepolicyWaSconnectedwithitshistoryandculturetraditi

10、onaswell蠲ituniquepoliticideaswhichallmanifestedbythesocialsecurityideaSofHongkongandproposesmoreangelsfortheIntroduceofthemandatoryprovidentfundplanSecondthepaperintroducestheestablishingbackground，developingprocess，andc

11、urrentsituationofthemandatoryprovidentfundplanByintroducingitsmaincontent，types，InvestmentandsupervisionmanagementtoletUSunderstandthemandatoryprovidentfundplaninagoodwayThelastchapteristhemodelchoiceofthemainland’Senter

12、prises’annuityfromtheaspectoftheMPFwhichmeanstolearnsomethingfromitAndproposessomesuggestionsfromtheaspectofthefundarrangement，participationway，investrnentmanagementandinvestors’guaranteeKeywords：old—ageinsurance；Mandato