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终身养老储蓄:来自发展中国家的证据
Athiphat Muthitacharoen1, Trongwut Burong2
1Associate Professor, Faculty of Economics, Chulalongkorn University, Bangkok, Thailand.
Journal of aging & social policy
|June 22, 2023
概括
这项研究揭示了泰国工作生活中形的退休储蓄模式. 储蓄率在中年达到顶峰,然后下降,收入较高的人更晚储蓄.
科学领域:
- 经济学 经济学 经济学
- 退休计划 退休计划 退休计划
- 公共财政是公共财政.
背景情况:
- 通过税收优惠账户对长期退休储蓄行为的理解有限.
- 分析储蓄模式对退休收入充足性的重要性.
- 需要有关退休储蓄动态的具体国家数据.
研究的目的:
- 通过使用纳税申报表数据,检查退休储蓄的年龄特征.
- 探索储蓄模式对退休收入充足性的影响.
- 确定影响退休储蓄时间和水平的因素.
主要方法:
- 对泰国全人口纳税申报表数据集的分析.
- 对不同年龄组的生命周期储蓄模式的检查.
- 根据预测的储蓄概况,估计收入替代率.
主要成果:
- 退休储蓄表现出一个形的年龄特征,从3.0%上升到4.6%,然后下降.
- 收入较高的个人在退休储蓄率上显示出较晚的峰值.
- 低风险的节约车辆在所有职业生涯阶段都被一致使用.
结论:
- 退休储蓄行为遵循可预测的生命周期轨迹.
- 据估计,税收优惠车辆的收入替代率约为24%.
- 这些发现与发达经济体观察到的退休储蓄模式一致.
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