منابع مشابه
Demographic Change, Social Security Systems, and Savings.
In theory, improvements in healthy life expectancy should generate increases in the average age of retirement, with little effect on savings rates. In many countries, however, retirement incentives in social security programs prevent retirement ages from keeping pace with changes in life expectancy, leading to an increased need for life-cycle savings. Analyzing a cross-country panel of macroeco...
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Many countries have reformed, or plan to reform, their pension system, often replacing defined benefits with some sort of savings account. In recent years proposals have been made to apply personal savings accounts also to other elements of social insurance, such as unemployment insurance, social assistance or parental leave compensation. This paper evaluates the consequences of replacing these...
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In the conditions of market infrastructure for the transformation of medical services, there is an objective need to build effective insurance protection of the population against risks associated with loss of health. Using a systematic approach, the problem of combining compulsory and voluntary health insurance is investigated, a theoretical conceptualization of the concept of “financial mecha...
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We describe the introduction of Lotus SametimeTM, an instant messaging (IM) product, in an organization. This brief report analyzes the development of several aspects of user experience over a 24-month period: (1) savings in the use of other communication channels, (2) growth in messaging behaviors, (3) change in messaging partners, and (4) beliefs about the value of the product. Although IM is...
متن کاملThe social value of information in economies with mandatory savings
We study the value of public information in a stochastic exchange economy where agents trade assets to reallocate risk and mandatory (retirement) savings imposes a lower bound on the market value of some agents’ holdings of a financial asset. Since equilibrium prices depend on the agents’ beliefs about the states of nature, the arrival of information shifts the agents’ mandatory savings constra...
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ژورنال
عنوان ژورنال: Journal of Economic Surveys
سال: 2010
ISSN: 0950-0804
DOI: 10.1111/j.1467-6419.2010.00636.x