The effect of defined contribution pension plan on firm's financial status, household's savings action, and financial market.

固定缴款养老金计划对企业财务状况、家庭储蓄行为和金融市场的影响。

• 批准号: 16530202
• 负责人: KAMOIKE Osamu
• 金额: $ 2.11万
• 依托单位: Tohoku University
• 依托单位国家: 日本
• 项目类别: Grant-in-Aid for Scientific Research (C)
• 财政年份: 2004
• 资助国家: 日本
• 起止时间: 2004 至 2006
• 项目状态: 已结题
• 来源: https://kaken.nii.ac.jp/en/grant/KAKENHI-PROJECT-16530202/
• 关键词: Defined contribution pension plan; 401(k); Household savin; Aging; Saving encouraging tax system; Labor market; Difference between size of firms; corporate pension; 確定給付年金; 貯蓄優遇(奨励)税制; 企業財務; 二重労働市場; 年金改革; 資産選択; 401K

The purpose of this research is to verify the effect of Japanese defined contribution pension plan introduction from the viewpoint of the household sector, the business enterprise sector, and macroeconomics.1. The first research explores the implications of possible bankruptcies of firms for their own wage schemes and the structure of labor market, using a two-period general equilibrium model. As a result, a substantial utility differential emerges between those who have luckily found a job of the primary market and those who have not, although there is no difference in their innate abilities.2. We have obtained the list of 93 enterprise companies in which the article on 401k pension introduction in the new paper. The stock prices data before and after the newspaper publishing was acquired, and the news of 401k pension introduction how stock prices, corporate value, changed the event was studied. As a result, we could not confirm the effect of introducing the DC plan on raising stock prices.3. The effect of the DC pension system in Japan on the households, savings was tested by using the data of "Family Budget Survey" from 2002 to 2006. As a result, the possibility of increasing the amount of the pension property was shown in the group of high-income working households. In addition, the possibility that the revision of the contribution limit invades aggregate savings is shown among high-income households. In each case, the effect that the DC pension system increased the pension type savings and aggregate savings of low-income households was not able to be confirmed.

本研究的目的是从家庭部门、企业部门和宏观经济的角度验证日本养老金固定缴款计划的实施效果。1.第一个研究利用两阶段一般均衡模型探讨了企业破产对企业工资制度和劳动力市场结构的影响。结果，在那些幸运地在初级市场找到工作的人和那些没有找到工作的人之间出现了巨大的效用差异，尽管他们的先天能力没有差异。我们已经获得了93家企业公司的名单，其中有关于401 k养老金的文章在新的文件中介绍。研究了报纸出版前后的股票价格数据，以及401 k养老金引入的消息如何改变股票价格，企业价值。因此，我们无法确认DC计划的推出对股价上涨的影响。利用2002 - 2006年的“家庭预算调查”数据，检验了日本DC养老金制度对家庭储蓄的影响。因此，在高收入工作家庭群体中显示出增加养恤金财产数额的可能性。此外，在高收入家庭中也显示出了修改供款限额会侵蚀总储蓄的可能性。在每种情况下，DC养老金制度增加低收入家庭养老金类型储蓄和总储蓄的效果无法得到证实。

项目成果

確定拠出年金の導入が貯蓄行動に与える影響

引入固定缴款养老金计划对储蓄行为的影响

• 发表时间: 2005
• 期刊: Discussion Paper No.186,Tohoku Economoc Reserch Group No.186
• 作者: 吉田 浩;水落正明
• 通讯作者: 水落正明

企業倒産、給与体系と労働市場の構造

企业破产、薪酬制度与劳动力市场结构

• 发表时间: 2007
• 期刊: 研究年報経済学(東北大学経済学会) 60 (2)
• 作者: 小川光;久保力三;小川光;Ming Hsin Lin 他;Hikaru Ogawa;Hikaru Ogawa;Akira Nishimori 他;古松紀子;Noriko Furumatsu;北川 章臣
• 通讯作者: 北川 章臣

Kigyou Tousan, Kyuuyo Taikei to Roudou Shijyou no Kouzou (Bankruptcy, Wage Scheme, and the Structure of Labor Markets)

Kigyou Toousan、Kyuuyo Taikei 到 Roudou Shijyou no Kouzou（破产、工资计划和劳动力市场结构）

• 发表时间: 2007
• 期刊: THE KEIZAIGAKU (Annual Report of the Economic Society Tohoku University) Vol.60, No.2(in Japanese)
• 作者: Kitagawa;Akiomi
• 通讯作者: Akiomi

ノルウェーにおける貯蓄奨励税制が家計の貯蓄に及ぼす影響-ノルウェー版401(k)および住宅貯蓄奨励制度に関連して-

储蓄激励税制对挪威家庭储蓄的影响——与挪威版401(k)和住房储蓄激励制度相关——

• 发表时间: 2006
• 期刊: Discussion Paper No.198,Tohoku Economic Research Group No.198
• 作者: Yoshida;Hiroshi;北川 章臣;吉田 浩;吉田 浩
• 通讯作者: 吉田 浩

老後生活に向けての経済的準備と日本版401(k)の効果

退休财务准备以及日本版 401(k) 的影响

• 发表时间: 2007
• 期刊: クォータリー生活福祉研究 16 (1)
• 作者: 小川光;久保力三;小川光;Ming Hsin Lin 他;Hikaru Ogawa;Hikaru Ogawa;Akira Nishimori 他;古松紀子;Noriko Furumatsu;北川 章臣;吉田 浩
• 通讯作者: 吉田 浩