延迟退休、养老保险和收入不平等

IF 2.5 4区计算机科学 Q2 COMPUTER SCIENCE, CYBERNETICS

Kybernetes Pub Date : 2024-08-14 DOI:10.1108/k-10-2023-2034

Qingjie Zhang, Xinbang Cao

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引用次数: 0

摘要

目的研究提高退休年龄和改革养老保险在缓解代内和代际收入不平等方面的潜力，从而为政府制定政策提供经验支持。设计/方法/途径建立了一个具有跨期迭代的动态一般均衡模型，以全面评估提高退休年龄政策对收入不平等的影响，同时考虑延迟退休、生存概率和养老保险。研究结果通过理论分析得出，在满足一定假设条件的情况下，提高退休年龄可以有效缓解现收现付制度和基金积累制度下的代内收入不平等和代际收入不平等。模拟结果表明，在目前的参数设置下，提高退休年龄可以降低基尼系数。此外，本研究还揭示了无论现收现付制还是基金积累制，养老保险都是一种收入再分配和缓解收入不平等的机制。

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Delayed retirement, pension insurance and income inequality

Purpose

To investigate the potential of raising the retirement age and reforming pension insurance in mitigating intra- and inter-generational income inequality, thereby offering empirical support for governmental policy formulation.

Design/methodology/approach

A dynamic general equilibrium model with intertemporal iteration is developed to comprehensively assess the impact of policies raising the retirement age on income inequality, taking into account delayed retirement, survival probability, and pension insurance. The theoretical hypotheses are validated through simulation using MATLAB.

Findings

Through theoretical analysis, it is determined that, given certain assumptions are satisfied, raising the retirement age can effectively mitigate intra-generational income inequality, inter-generational income inequality under both the pay-as-you-go and fund accumulation systems. Simulation results indicate that, under current parameter settings, raising the retirement age can reduce the Gini coefficient. Furthermore, this study reveals that regardless of the pay-as-you-go or fund accumulation system, pension insurance serves as a mechanism for income redistribution and alleviating income inequality.

Originality/value

It offers a theoretical foundation for the government's policy on delayed retirement and endowment insurance.

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来源期刊

Kybernetes 工程技术-计算机：控制论

CiteScore

4.90

自引率

16.00%

发文量

237

审稿时长

4.3 months

期刊介绍： Kybernetes is the official journal of the UNESCO recognized World Organisation of Systems and Cybernetics (WOSC), and The Cybernetics Society. The journal is an important forum for the exchange of knowledge and information among all those who are interested in cybernetics and systems thinking. It is devoted to improvement in the understanding of human, social, organizational, technological and sustainable aspects of society and their interdependencies. It encourages consideration of a range of theories, methodologies and approaches, and their transdisciplinary links. The spirit of the journal comes from Norbert Wiener''s understanding of cybernetics as "The Human Use of Human Beings." Hence, Kybernetes strives for examination and analysis, based on a systemic frame of reference, of burning issues of ecosystems, society, organizations, businesses and human behavior.