延迟退休对个人养老金财富的影响研究
    点此下载全文
引用本文:范维强1 ,杨华磊2.延迟退休对个人养老金财富的影响研究[J].财经理论与实践,2021,(6):52-58
摘要点击次数: 153
全文下载次数: 0
作者单位
范维强1 ,杨华磊2 ( 1.华东交通大学 经济管理学院江西 南昌 330013 2.中南财经政法大学 公共管理学院湖北 武汉 430073) 
中文摘要:基于终身现值精算模型,通过分析延迟退休对个人养老金财富的影响,以期为延迟退休和相关配套性政策的制定提供数值依据。研究发现:延迟退休会使得个人养老金净收益呈现下降趋势,甚至低于当前水平。2050年前,相比不延迟退休情景,即时退休和逐步退休分别会使个人养老金净收益平均降低39.07万元和 30.86万元。为减少延迟退休对个人养老金财富的负面影响,国家在推行延迟退休方案的同时需要出台配套性政策,把延迟退休对社会福利的增加值用来弥补对个人养老金财富造成的损失。
中文关键词:延迟退休  个人养老金  存活寿命
 
Research on the Impact of Delayed Retirement on Individual Pension Benefits
Abstract:Based on the lifetime present value actuarial model, this paper analyzes the influence of delayed retirement on personal pension wealth, in order to provide numerical basis for the formulation of delayed retirement and relevant matching policies. Before 2050, compared with the personal pension income without delaying the retirement situation, immediate delayed retirement and gradual delayed retirement respectively reduced net personal income of the individual pension by 390700 yuan and 308600 yuan. In order to reduce the negative impact of delayed retirement on personal pension wealth, the state should introduce complementary policies when implementing the plan of delayed retirement, and use the added value of social welfare caused by delayed retirement to make up for the loss of personal pension wealth.
keywords:delayed retirement  pension  life expectancy
查看全文   查看/发表评论   下载pdf阅读器