A risky strategy: Reflections on the World Bank Report Averting the old age crisis
A risky strategy: Reflections on the World Bank Report Averting the old age crisis
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一项有风险的策略：对世界银行报告《避免老年危机》的思考
DOI：
10.1111/j.1468-246x.1995.tb00443.x
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发表时间：
1995
影响因子：
1.2
通讯作者：
W. McGillivray
中科院分区：
文献类型：
--
作者：
R. Beattie;W. McGillivray
这篇文章是对世界银行最近发表的一份关于养老金的报告的批判性评估。报告称，公共养老金制度在社会和经济两方面都失败了，这表明世界银行指出的许多缺点同样或更严重地适用于私营制度。它认为，报告中概述的战略涉及以强制性储蓄计划取代社会保险，这将给工人和养恤金领取人带来不可接受的高风险，这将使老年保护更加昂贵，过渡将给当代工人带来沉重负担。文章的结论是，一个更有效和更少的破坏性的方法来提供退休养老金将集中精力采取措施，纠正设计缺陷和现有计划中的不公平现象。
This article is a critical assessment of a report on pensions recently published by the World Bank. It takes issue with the report's assertion that public pension systems have failed both socially and economically, demonstrating that many of the shortcomings identified by the World Bank apply with equal or greater force to private systems. It argues that the strategy outlined in the report, involving the replacement of social insurance by mandatory savings schemes, would involve an unacceptably high degree of risk for workers and pensioners, that it would make old-age protection more costly, and that the transition would impose a heavy burden on the current generation of workers. The article concludes that a more efficient and less disruptive approach to the provision of retirement pension would be to focus efforts on measures to rectify design deficiencies and inequities in existing schemes.