New Social Policy Approaches for Sharing Risk

与收入有关的贷款是一种安排，在这种安排下，向特定的、有时是不利的情况下的群体提供资金，条件是具有公共利益的活动，这种支持的一部分将根据未来的经济成功而得到偿还。该项目将把一项新的、具有国际创新性的公共政策--与收入有关的贷款(IRL)--的适用原则推广到社会需求领域。到目前为止，IRL的主要应用一直是在高等教育(HECS)中，还考虑了一些经济和工业支持领域的申请。这是这个项目的前提，也有重要的可能对社会有益的IRL应用。 该提案有两个不同的方面。 首先，该项目试图证明，这种IRL类型的社会投资也是可行和合适的，可能有助于在人口老龄化的社会中更好地满足一系列社会需求--既直接关注对老年人的支持，也通过研究可能弥补老龄化的相关人口统计数据，例如女性劳动力参与、残疾劳动力参与、较高生育率和移民。 第二，将独立审查制度扩展到社会领域，需要了解公众对各种社会支持形式的态度的敏感性，特别是对采用这种新的替代办法的态度。因此，对公众在这一领域的态度进行调查是该项目的一个关键组成部分。此外，制定适合于证明在社会领域使用这种延期付款系统所节省的费用的成本计算方法是至关重要的。

Income Related Loans are an arrangement in which finance is provided to groups in specific sometimes adverse, situations, conditional on the activity having public benefits, with some part of this support being repaid depending on future economic success. This project will extend principles for the application of a new and internationally innovative public policy, income related loans (IRL) to areas of social need. The principle application of IRL to date has been in higher education (HECS), and applications for some areas of economic and industry support have also been considered. It is the premise of this project that there are also important possible socially beneficial IRL applications. There are two separate aspects of the proposal. First, the project seeks to demonstrate that social investment of this IRL kind is also viable and suitable and can potentially assist with meeting better a range of social needs in a demographically ageing society-both by direct attention to support of the aged but also by looking at related demographics that might compensate for ageing eg female work force participation, disability work force participation, higher fertility and immigration. Second, extension of IRL to social areas requires understanding of sensitivities in public attitudes to the forms of social support and especially to the introduction of such novel alternatives. A survey approach to public attitudes in this field is therefore a key component of the project. In addition the development of costing methodologies suitable for demonstrating savings from the operation of such deferred payment systems in social areas is essential.