长寿风险对教育和退休决策的影响

发布时间：2018-06-21 10:07

  本文选题：三阶段世代交叠模型 + 长寿风险　； 参考：《统计研究》2015年02期

【摘要】：本文在三阶段世代交叠及两部门经济模型的框架下研究长寿风险对劳动者受教育年限、退休年龄及长期收入的影响。劳动者的一生分为教育、工作及退休三个阶段,本文采用经验—工资的倒U型曲线,分析劳动者的工作—闲暇决定和消费—储蓄决定。分析结果显示,长寿风险会增加劳动者的受教育年限、延长退休年龄以及增加劳动者的长期收入。同时,根据模型的敏感性分析,政府对劳动者征收的税率也会对劳动者决策产生影响,而且这种影响程度超过了长寿风险对劳动者决策产生的影响。最后,本文提出了相应的政策性建议。
[Abstract]:In this paper, the effects of longevity risk on the years of education, retirement age and long-term income of workers are studied under the framework of a three-stage overlapping generation and two-sector economic model. The life of a laborer is divided into three stages: education, work and retirement. This paper analyzes the work-leisure decision and the consumption-saving decision of the laborer by using the inverse U-shaped curve of experience-wage. The results show that the risk of longevity will increase the education years of workers, prolong the retirement age and increase the long-term income of workers. At the same time, according to the sensitivity analysis of the model, the tax rate levied by the government on the workers will also have an impact on the workers' decision-making, and this influence degree exceeds the impact of longevity risk on workers' decision-making. Finally, this paper puts forward the corresponding policy recommendations.
【作者单位】： 河北科技师范学院;首都经济贸易大学;
【分类号】：F249.2;C924.24
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本文编号：2048229