摘要
英国自 2 0世纪 80年代以来进行了较为成功的经济体制改革 ,而社会养老制度改革是英国宏观经济改革的重要组成部分。本文就英国养老制度改革对英国居民家庭储蓄的影响进行了理论和实证的分析 ,指出英国的养老金政策改革特别是个人养老金计划推出以后 ,由于家庭其他资产积累与个人养老金计划资产积累存在一定的“替代效应” ,所以 ,家庭养老金资产变化对家庭储蓄这一部分的影响难以进行精确的定量分析 ,但某些实证分析表明 ,在个人收益方面 ,个人养老金计划中资产的积累超过 70 %的部分是因“协议退出”而增加的“新”财富 ;个人养老金计划带来家庭储蓄率的提高应该是予以肯定的 ;经过十几年的改革 ,由于个人养老金计划的引入而导致的国民储蓄的净增量大约为英国GDP的 0 .2 %。
The reform on economic system in the UK since 1980s has been successful on the whole, and the pension system reform is an important part of the macro-economic reform. This paper examines the impacts of pension policy reform upon households’ savings in the UK by theoretical and empirical analysis. It argues that since the reform, especially since the implementation of Personal Pension Scheme, owing to the “substitution effects” between accumulations of other household assets and PPS, it is difficult to carry out quantitative analysis on the influence of the changed households’ assets upon households’ savings. However, some empirical studies indicate that 70% of the accumulation in the PPS are the new wealth from the contracted out of the SERPS, and the net increase of national savings takes around 0.2% of the GDP since the implementation of PPS. Therefore, we could say that the PPS increases the rate of household’s savings.
出处
《欧洲研究》
CSSCI
北大核心
2004年第1期116-129,共14页
Chinese Journal of European Studies
