提前提取养老金储蓄的利弊:一项专家评估

A. Bekbossinova, K. Oshanova, K. Khassenova, A. Alpysbayeva, A. B. Moldasheva
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引用次数: 1

摘要

本研究的目的是研究养老金储蓄提前提取的积极和消极方面。对国外经验和文献进行了回顾;考虑到经济学,特别是金融领域专家的意见。由于最近在提前提取养老金制度中进行的改革对未来的养老金支付产生了影响,因此有必要研究这个问题。采用定性研究方法来确定使用QDA Miner Lite软件提前提取养老金储蓄的积极和消极方面。对主要的四个指标——因素、利弊和政府准备程度进行了分析。所分析的国际经验表明,在任何国家,如果养恤基金的缴款人没有足够的储蓄来确保适当的替代率,那么就不允许提前提取基金。提供他们进一步的储蓄和投资。专家们对过早使用养老金的问题意见不一。假设一些人认为这种情况将导致未来养老金制度的不平衡和养老金不足。另一些人则认为,这将改善当前人口的福祉。专家们还指出,UAPF的效率不会有任何提高,对经济和国民福利的影响将是模糊的、短期的。研究结果可为我国养老金制度的进一步发展提供参考。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Advantages and Disadvantages of Early Withdrawal of Pension Savings: an Expert Assessment
The purpose of this research is to study the positive and negative aspects of pension savings early withdrawal. A review of foreign experience and literature was conducted; the opinion of expert practitioners in economics, in particular, the financial sphere, was taken into account. Since the recent reforms carried out in the early withdrawal pension system have an impact on future pension payments, there is a need to study this issue. A qualitative research method was applied to determine the positive and negative aspects of the early withdrawal of pension savings using the QDA Miner Lite software. An analysis was carried out on the leading four indicators – factors, advantages and disadvantages, and government readiness. The international experience that has been analyzed shows that in any country, if contributors in their pension fund do not have enough savings to ensure an adequate level of replacement rate, then early withdrawal of funds is not allowed. Their further savings and investment are provided. The opinions of experts regarding the premature use of pension savings are divided. Suppose some believe this situation will lead to an imbalance in the pension system and insufficient pensions in the future. Others believe that it will improve the current well-being of the population. Experts also note that the efficiency of the UAPF will not improve in any way, and the effect on the economy and the population’s welfare will be indistinct and short-term. The results of the study can be used for further development of the pension system.
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