Trust and the behavioral economics of automatic enrollment in pensions: a comparison of the UK and Poland

IF 3.3 3区经济学 Q1 DEVELOPMENT STUDIES Journal of Economic Policy Reform Pub Date : 2023-02-27 DOI:10.1080/17487870.2023.2179488

Kamila Bielawska, J. Turner

引用次数: 1

Abstract

ABSTRACT Experience in the UK with auto enrolling workers in pensions indicates that once enrolled, most workers stay enrolled, suggesting that auto enrollment may be a desirable policy for other countries. However, the experience with auto enrollment is much different in Poland. This paper examines the argument that inertia is not a strong force when workers distrust in the security of future pension benefits. We present a simple conceptual framework where trust affects the subjective probability distribution of workers relating to future pension benefits. We investigate how this framework might explain the high opt-out rate in Poland.

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信任与养老金自动登记的行为经济学——英国和波兰的比较

摘要英国养老金自动登记的经验表明，一旦登记，大多数工人都会继续登记，这表明自动登记对其他国家来说可能是一项可取的政策。然而，波兰的自动注册体验却大不相同。本文研究了这样一种论点，即当工人不信任未来养老金福利的安全性时，惰性并不是一股强大的力量。我们提出了一个简单的概念框架，其中信任影响工人与未来养老金福利相关的主观概率分布。我们调查了这一框架如何解释波兰的高选择退出率。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Journal of Economic Policy Reform Multiple-

CiteScore

6.60

自引率

0.00%

发文量

期刊介绍： The Journal of Economic Policy Reform focuses on the analysis of economic policy reform. The journal draws upon what lessons can be learned from the successes and failures of countries undertaking reforms and how existing theories can be developed to shed light on positive as well as normative aspects of the reform process. The Journal of Economic Policy Reform encourages work from economists and political economy analysts on policies to promote growth and reduce poverty, intellectual property rights, aid versus trade, debt and debt relief, taxation and social security systems, surveys of key reform issues, as well as on corruption, democracy, emerging markets and the role of multilateral institutions.