这一切都是为了获取吗?德国对职业养老金的感知获取

Q3 Social Sciences
Bettina Lamla, M. Coppola
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引用次数: 11

摘要

本文提供了一个实证分析是什么决定了获得职业养老金的感知工人。我们在德国调查了这一问题,自2001年以来,德国的工人就有领取职业养老金的合法权利,但许多人可能缺乏收集和处理相关信息以利用其权利的动力或能力。特别是,如果工人完全依赖公司提供的信息,雇主将继续不顾工人的权利来规范获取信息的途径。我们的研究结果表明,德国目前的监管并没有解决工人对他们获得职业养老金的渠道一无所知的问题。只有大约一半的工人知道自己可以获得职业养老金。我们发现,员工的认知存在重要的异质性,这种异质性与员工和企业方面的因素以及雇主-员工匹配的结果直接相关。扭曲的认知对工人、政策制定者和企业都有重要影响。只有当员工意识到自己的储蓄可能性时,他们才能做出最佳的储蓄决策。政策制定者可以通过制定强制性职业养老金信息材料和/或定义标准化信息来提供帮助。员工的知识水平低也可能让雇主感到沮丧,因为这表明工人不欣赏他们的职业养老金,限制了职业养老金作为人力资源工具的力量。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Is it All About Access? Perceived Access to Occupational Pensions in Germany
This paper provides an empirical analysis of what determines access to occupational pensions as perceived by workers. We investigate this issue in Germany, where workers have the legal right to an occupational pension since 2001, but many might lack the incentive or the ability to gather and process the relevant information to make use of their right. In particular, if workers rely exclusively on the information available at their firm, employers will continue to regulate access despite workers’ rights. Our findings suggest that the current regulation in Germany has not resolved the problem of workers’ ignorance of their access to occupational pensions. Only about half the workers are aware of having access to an occupational pension. We find that there is important heterogeneity in workers’ perceptions, and that this heterogeneity is directly related to worker and firm-side factors as well as outcomes of the employer-employee match. Distorted perceptions have important consequences for workers, policy makers and firms. Workers can only make optimal savings decisions if they are aware of their savings possibilities. Policy makers could help by making information material about occupational pensions mandatory and/or by defining standardised information. A low level of knowledge of employees might also be frustrating for employers, as this would suggest that workers do not appreciate their occupational pension, limiting the power of occupational pension as a Human Resources tool.
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来源期刊
Social Security Bulletin
Social Security Bulletin Social Sciences-Social Sciences (miscellaneous)
CiteScore
0.70
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0.00%
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