欧洲对公共和私人退休收入组合的态度
Tobias Wiß1, Juan J Fernández2, Karen M Anderson3
1Johannes Kepler University Linz, Austria.
概括
公众对退休收入组合的偏好是由个人因素 (如年龄,政治信仰和国家养老金体系设计) 塑造的. 了解这些驱动因素是关键,因为养老金系统越来越私有化.
科学领域:
- 社会经济学 社会经济学
- 公共政策 公共政策
- 退休研究 退休研究
背景情况:
- 富裕的民主国家正因私有化和市场化而转向多支柱养老金体系.
- 现有的论研究主要集中在公共养老金的参数方面,忽视了对公私收入混合的偏好.
- 在了解个人对退休收入来源组成偏好方面存在重大差距.
研究的目的:
- 调查影响公众对公共和私人养老金收入最佳组合的偏好因素.
- 为了解决研究问题:公共和私人养老金组合的公众偏好是什么原因的?
主要方法:
- 在六个欧洲国家进行了一项新的跨国调查:奥地利,丹麦,德国,爱尔兰,荷兰和西班牙.
- 分析了个人利益,政治意识形态和制度因素在塑造退休收入偏好的作用.
主要成果:
- 个人对公私养老金组合的偏好在很大程度上是由个人利益因素 (如年龄) 解释的.
- 政治意识形态成为首选退休收入结构的关键决定因素.
- 国家养老金体系的设计 (制度因素) 也在塑造公众偏好方面发挥着至关重要的作用.
结论:
- 公众对退休收入组成的偏好受到个人,意识形态和机构因素的组合的影响.
- 调查结果提供了关于公众对不断发展,越来越私有化的养老金制度的态度的见解.
- 了解这些驱动因素对于设计有效和公认的养老金改革至关重要.
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