美國公共與企業退休基金之投資運用探析__臺灣人文及社會科學引文索引資料庫

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題名：	美國公共與企業退休基金之投資運用探析
書刊名：	保險實務與制度
作者：	王靜怡
作者(外文)：	Wang, Ching-yi
出版日期：	2006
卷期：	5:2
頁次：	頁155-182
主題關鍵詞：	退休基金；確定給付；確定提撥；Pension fund；Defined benefit；Defined contribution
原始連結：	連回原系統網址
相關次數：	被引用次數:期刊(1) 博士論文(0) 專書(0) 專書論文(0) 排除自我引用:1 共同引用:0 點閱:23

退休基金的投資運用，基本上是公共選擇下的層層運作結果。就美國的公共及企業退休基金而言，穩定且多元化的金融市場雖已提供退休基金在投資上的厚實利基，然在政府與企業的尋租行為，以及人民的資訊不對稱與因循投資行為下，不論是確定給付制或確定提撥制，政府的公共選擇決策仍然還是讓人民承擔了政府與企業的尋租成本，而成為退休金給付風險的最後實質承擔者。因之，政府對退休基金的投資管理應採主動式的制約、或是被動式的提供投資訊息及環境，是值得進一步深思之處。

以文找文

The investment in pension funds is the result of public choice. Concerning the public and corporate pension funds in the United States, which have a stable and diversified financial market background, the rent-seeking of the government and corporations, and the asymmetric information as well as the inertia of participants have made participants undertake the ultimate pension payment risk, including defined benefit and defined contribution, under the result of public choice. So, it requires the government to ponder thoroughly over the design of pension systems as well as pension funds.

以文找文

期刊論文
1.	Benartzi, S.、Thaler, R. H.(2001)。Naive Diversification Strategies in Defined Contribution Saving Plans。American Economic Review，91(1)，79-98。
2.	Madrian, B. C.、Shea, D. F.(2001)。The Power of Suggestion: Inertia in 401(k) Participation and Savings Behavior。The Quarterly Journal of Economics，116(4)，1149-1187。
3.	Choi, J.、Laibson, D.、Madrian, B.、Metrick, A.(2002)。Defined Contribution Pensions: Plan Rules, Participant Decisions, and the Path of Least Resistance。Tax Policy and the Economy，16。
4.	Employee Benefit Research Institute(2002)。Retirement Plan Assets: Year-end 2001。Facts from EBRI。
5.	Employee Benefit Research Institute(2002)。401(k) Plan Asset Allocation, Account Balances and Loan Activity in 2001。EBRI Issue Brief，272。
6.	Employee Benefit Research Institute(2005)。History of 401(k) Plans: An Update。Facts from EBRI。
7.	Papke, L. E.(2003)。Individual Financial Decisions in Retirement Saving Plans: The Role of Participant-Direction。Journal of Public Economics，88，39-61。
8.	Munnell, A.、Sunden, A.(2002)。401(k)s and Company Stock: How Can We Encourage Diversification?。Issue Brief，9。
9.	Poterba, J. M.(2003)。Employer Stock and 401(k) Plans。The American Economic Review，93(2)，399-404。
10.	Thaler, R. H.、Benartzi, S.(2004)。Save More Tomorrow: Using Behavioral Economics to Increase Employee Saving。Journal of Political Economy，112(S1)，S164-S187。
11.	White, L. J.(1996)。Investing the Assets of the Social Security Trust Funds in Equity Securities: An Analysis。Investment Company Institute Perspective，2(4)，12-15。
12.	Bernheim, B. D.、Garrett, D. M.(2003)。The effects of financial education in the workplace: evidence from a survey of households。Journal of Public Economics，87，1487-1519。

研究報告
1.	Agnew, J.、Szykman, L. R.(2004)。Asset Allocation and Information Overload: The Influence of Information Display, Asset Choice and Investor Experience。Center for Retirement Research at Boston College。
2.	Mitchell, O. S.、Utkus, S. P.、Yang, T.(2005)。Better Plans for the Better-Paid: Determinants and Effects of 401(k) Plan Design。The Wharton School, University of Pennsylvania。
3.	Smetters, K.(2003)。Is the Social Security Trust Fund Worth Anything?。Cambridge, MA。

圖書
1.	Government Accountability Office(2003)。Private Pensions: Process Needed to Monitor the Mandated Interest Rate for Pension Calculations。Washington, D.C.。
2.	Government Accountability Office(2004)。Private Pensions: Airline Plans' Underfunding Illustrates Broader Problems with the Defined Benefit Pension System。Washington, D.C.。
3.	Government Accountability Office(2004)。Private Pensions: Multiemployer Plans Face Short- and Long-Term Challenges。Washington, D.C.。
4.	International Monetary Fund(2004)。Global Financial Stability Report: Marker Developments and Issues September 2004。Washington, D.C.：International Monetary Fund。
5.	Schulz, J. H.(2001)。The Economics of Aging。London：Auburn House。
6.	Davis, E. P.(1995)。Pension Funds: Retirement-Income Security, and Capital Markets, an International Perspective。Oxford：Clarendon Press。

其他
1.	Social Security Administration(2005)。Trust Fund Data，http://www.ssa.gov/OACT/ProgData/funds.html。

圖書論文
1.	Iglesias, A.、Palacios, R. J.(2000)。Managing Public Pension Reserves: What in the World Is Going On?。New Ideas about Old Age Security: Toward Sustainable Pension Systems in the 21st Century。Washington, D.C.：World Bank Publications。
2.	Mitchell, O.、Utkus, S. P.(2003)。The Role of Company Stock in Defined Contribution Plans。The Pension Challenge: Risk Transfers and Retirement Income Security。Philadelphia：University of Pennsylvania Press。
3.	Rein, M.、Turner, J.(2004)。How Societies Mix Public and Private Spheres in Their Pension Systems?。Rethinking the Welfare State: The Political Economy of Pension Reform。Cheltenham：Northampton, MA：Edward Elgar。

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