:::

詳目顯示

回上一頁
題名:職域保險與公共退休年金的選擇模型
書刊名:臺灣經濟預測與政策
作者:楊純婷吳文傑 引用關係
作者(外文):Yang, Tina Chwen-tingWu, Jack Wen-chieh
出版日期:2002
卷期:32:2
頁次:頁131-168
主題關鍵詞:職域保險公共退休年金選擇模型Occupational pensionPublic pensionChoice model
原始連結:連回原系統網址new window
相關次數:
  • 被引用次數被引用次數:期刊(0) 博士論文(0) 專書(0) 專書論文(0)
  • 排除自我引用排除自我引用:0
  • 共同引用共同引用:21
  • 點閱點閱:61
     當一個新的公共退休年金制度推出時,現行職域被保險人可能面臨選擇留在原職域保險或加入新公共退休年金的難題。本文試圖建立一個理論的選擇模型來探討從現行的職域保險制度過渡到新的公共退休年金制時,什麼因素會影響被保險人的選擇決定,何種類型被保險人會選擇留在原職域保險體系,而哪些被保險人又會選擇加入新的公共退休年金制。本研究發現,年齡和薪資高低是影響現行職域被保險人會否加入新制的重要因素。整體而言,當個人在選擇時點下的年齡愈大,則選擇加入新制的可能性愈高。若被保險人預期將來提早遏休的機率愈大,則愈有可能選擇留在舊制,於將來提早退休後,再加入新制。台灣規劃中的公共退休年金制度-國民年金將來若真正推行,現有職域保險的人即面對選擇課題。以目前國內涵蓋人數最多勞工保險及公教人員保險為例,模擬分析結果發現,標準薪資、全額年金和年金給付年齡等制度變數均會影響使保險人選擇加入新制的機率,其中尤以年金給付年齡的影響效果最大,且為負面的影響;而標準薪資、全額年金對選擇加入新制的機率則為正面的影響,且影響程度約當相同。期望能藉由本文的選擇模型及模擬結果,提供政在實施國民年金之際,全盤考量現行職域保險被保險人的權益,在政策的宣導及教?能更為完善,使全民均能有一完整的基礎生活保障。
     When a new public pension plan is introduced, current insured workers covered by occupational pension plans have to face the dilemma between staying in the current play and joining the new public pension plan. This paper tries to establish a theoretical model to analyze how the individual makes the choice decision. We would like to find out what factors would influence individual decisions, what type of current insured workers would choose to stay and what type would choose to join the new plan. The study suggests both age and wage levels are the most important factors. Generally specking, the probability of an elder worker joining the new plan is relatively higher. If the current insured worker has a higher expected probability of early retirement, he is more likely to stay in the current plan now and will the join the new plan after early retirement. If Taiwan National Pension Plan was implemented, the current insured workers would face this choice problem. Using the examples of both Labor Insurance and Public-Sector Employee Insurance, the simulation analysis suggests standard wage, full benefit, and the age of receiving benefit are important variables influencing the probability of the current insure worker joining the new plan. The effect of the age of receiving benefit is the most significant one and it is negative. On the other hand, both standard wage and full benefit have positive effects. These results obtained by both theoretical model and simulation analysis should be able to provide useful implications to policy makers.
期刊論文
1.Feldstein, Martin S.(1974)。Social Security, Induced Retirement, and Aggregate Capital Accumulation。Journal of Political Economy,82(5),905-926。  new window
2.朱敬一、楊建成、胡勝正、黃定遠(1994)。國民年金對財政收支的影響。臺灣經濟預測與政策,25(2),35-68。new window  延伸查詢new window
3.Blinder, A.、Gordon, R.、Wise, D.(1980)。Reconsidering the Work Disincentive Effects of Social Security。National Tax Journal,33(4),431-442。  new window
4.Feldstein, Martin S.(1996)。The Missing Piece in Policy Analysis: Social Security Reform。The American Economic Review,86,1-14。  new window
5.Feldstein, Martin S.(1998)。A New Era of Social Security。The Public Interest,102-125。  new window
6.Gramlich, Edward(1996)。Different Approaches for Dealing with Social Security。The Journal of Economic Perspectives,10,55-66。  new window
7.Leimer, Dean R.、Lesnoy, Selig D.(1982)。Social Security and Private Saving: New Time-Series Evidence。Journal of Political Economy,90,606-629。  new window
會議論文
1.許振明、何金巡、周麗芳(1999)。國民年金制度之選擇--台灣總體經濟計量分析。公共經濟學術研討會,中研院經濟研究所 (會議日期: 民國八十八年六月)。中央經濟研究院經濟研究所。  延伸查詢new window
2.孫克難(1994)。國民年金制度與政府財政負擔。臺北。213-247。  延伸查詢new window
3.周麗芳(1999)。國民年金制度之選擇-我國年金財務模型與模擬分析。臺北。new window  延伸查詢new window
研究報告
1.鄭文輝(1998)。國民年金政府財源籌措之探討。沒有紀錄。  延伸查詢new window
2.Feldstein, Martin(1995)。Would Privatizing Social Security Raise Economic Welfare。0。  new window
3.田弘茂(1999)。國民年金草案可行性分析。沒有紀錄。  延伸查詢new window
4.柯三吉(1996)。國民年金保險行政執行規畫之研究。沒有紀錄。  延伸查詢new window
5.許振明、周麗芳(1999)。國民年金保險年金給付調整規則之研究。沒有紀錄。  延伸查詢new window
6.胡勝正、Chen, Kuo-Mei、陳禮潭(1998)。Demographic Transition and Social Security: The Taiwan Case。0。  new window
學位論文
1.鄭清霞(1999)。我國國民年金與職業年金之老年給付水準與費率規劃探討(博士論文)。國立中正大學。new window  延伸查詢new window
2.沈士弘(1995)。現行社會保險老年給付與國民基礎年金整合問題之研究,0。  延伸查詢new window
3.劉定寰(2000)。國民年金制度之政府財政負擔分析-制度選擇下之一般性財務模型,0。  延伸查詢new window
4.吳至婷(1999)。國民年金給付計算標準及財務規劃之探討,0。  延伸查詢new window
圖書
1.古允文、楊瑩、詹宜璋(1997)。臺灣地區老人經濟狀況及年金保險需求之研究。台北:內政部社會司。  延伸查詢new window
其他
1.行政院經建會(20020704)。國民年金制度規劃報告簡報,http://wwwxepd.gov.tw/analysis/index.htm。  延伸查詢new window
2.行政院經濟建設委員會國民年金制度規劃工作(2000)。國民年金儲蓄保險案與全民提撥平衡基金案簡報,0。  延伸查詢new window
3.Gramlich, Edward(1998)。Is It Time to Reform Social Security?,0。  new window
圖書論文
1.Feldstein, Martin S.、Samwick, Andrew(1998)。The Transition Path in Privatizing Social Security。Privatizing Social Security。Chicago, IL:The University of Chicago Press。  new window
2.胡勝正(1998)。國民年金制度對國民儲蓄的影響。國民年金制度委託研究報告彙編。臺北:行政院經濟建設委員會。  延伸查詢new window
 
 
 
 
第一頁 上一頁 下一頁 最後一頁 top
:::
無相關著作
 
QR Code
QRCODE