不分性别定价的递延年金:使大多数女性受益,同时不会对太多男性产生不利影响

IF 1.9 3区 经济学 Q2 ECONOMICS
Sau-Him Paul Lau , Yinan Ying
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引用次数: 0

摘要

许多国家强调性别平等,禁止基于性别的年金定价,从而导致更多的异质性健康特征和市场低效。政府可以通过在年金领取人较早年龄段的健康特征较为相似时提供递延年金的方式来应对。这两项政策的结合使大多数女性年金领取者受益,而不会对太多男性年金领取者产生不利影响,这与众所周知的结果形成鲜明对比,即在只提供即期年金的情况下,实行性别中立定价使所有女性受益,但对所有男性产生不利影响。在每个性别群体中,这两种政策干预措施都会使健康状况一般的年金领取者受益,但可能会对健康状况较差的年金领取者产生不利影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Deferred annuities with gender-neutral pricing: Benefitting most women without adversely affecting too many men

Many countries emphasize gender equality and ban gender-based annuity pricing, leading to more heterogeneous health characteristics and market inefficiency. Governments may respond by offering deferred annuities when annuitants' health characteristics are more similar at an earlier age. The two combined policies benefit most female annuitants without adversely affecting too many male annuitants, contrasting to the well-known result that imposing gender-neutral pricing benefits all women but adversely affects all men, when only immediate annuities are available. Within each gender group, these two policy interventions benefit annuitants with average health, but may adversely affect those on either end.

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来源期刊
CiteScore
3.10
自引率
10.50%
发文量
199
期刊介绍: The journal provides an outlet for publication of research concerning all theoretical and empirical aspects of economic dynamics and control as well as the development and use of computational methods in economics and finance. Contributions regarding computational methods may include, but are not restricted to, artificial intelligence, databases, decision support systems, genetic algorithms, modelling languages, neural networks, numerical algorithms for optimization, control and equilibria, parallel computing and qualitative reasoning.
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