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The losing streak of Employee Capital Plans in the pension fund market 雇员资本计划在养老基金市场的连续亏损
Pub Date : 2023-07-21 DOI: 10.19195/2658-1310.29.1.3
Julitta Koćwin
The purpose of the article was to present the basic reasons for the lack of interest in the government pension scheme — the Employee Capital Plans, and to draw attention to the question of its profitability for future pensioners. The article sought to answer the question of what is the public’s familiarity with the assumptions of this program and why is there so little interest in participating in it. To this end, attention was paid to the main obstacles undermining confidence in this program.
本文的目的是提出对政府养老金计划-雇员资本计划缺乏兴趣的基本原因,并提请注意其对未来养老金领取者的盈利能力问题。这篇文章试图回答这样一个问题:公众对这个项目的假设熟悉程度如何?为什么参与这个项目的兴趣如此之少?为此目的,人们注意到削弱对这一方案信心的主要障碍。
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引用次数: 0
Elderly employment in the European Union: Active aging or overcoming poverty? 欧盟的老年就业:积极老龄化还是克服贫困?
Pub Date : 2023-07-21 DOI: 10.19195/2658-1310.29.1.4
W. Nowak
The aim of the paper is to identify scale of and trends in elderly employment in the twenty seven European Union countries and to show determinants of employment in the context of active aging and overcoming poverty. The paper is based on the analysis of empirical data and a critical review of literature. Empirical data for the study are the secondary data retrieved from Eurostat, ILOSTAT and national statistics. The employment rate of people 65 years of age and older has tended to increase in the EU-27 over the period from 2011 to 2021. However, the elderly’s income situation has worsened. In a few countries that recorded a rapid growth of elderly employment, older workers continue to work in order to increase their current income. People 65+ were generally continuing to work based on a voluntary choice than a necessity to earn additional income in most of the richest EU-27 countries. Older European workers are more likely to be employees and own-account workers. At the aggregate EU-27 level, agriculture, forestry and fishing stopped to be the largest employer of people aged 65 years and more in 2021. Older EU workers have been more frequently engaged in human health and social work activities.
本文的目的是确定27个欧盟国家老年人就业的规模和趋势,并在积极老龄化和克服贫困的背景下显示就业的决定因素。本文基于对实证数据的分析和对文献的批判性回顾。本研究的经验数据是从欧盟统计局、ILOSTAT和各国统计数据中检索的次要数据。2011年至2021年期间,欧盟27国65岁及以上人口的就业率呈上升趋势。然而,老年人的收入状况却恶化了。在一些老年人就业迅速增长的国家,老年工人继续工作以增加他们目前的收入。在欧盟27个最富裕的国家中,65岁以上的人通常是自愿选择继续工作,而不是为了赚取额外收入。年长的欧洲工人更有可能是雇员和自有账户工人。在欧盟27国的总体水平上,农业、林业和渔业在2021年不再是65岁及以上人口的最大雇主。年龄较大的欧盟工人更频繁地从事人类健康和社会工作活动。
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引用次数: 0
Perception of old age versus saving in Employee Capital Plans 老年观念与雇员资本计划中的储蓄
Pub Date : 2023-07-21 DOI: 10.19195/2658-1310.29.1.2
I. Olejnik, M. Stefańska
Consumer attitudes and behaviors aimed at financial security at old age are determined by many factors. They include the perception of old age and expectations towards this period of life. The research and considerations presented in this paper were inspired by the introduction of Employee Capital Plans in 2019. They are a new institution on the Polish pension market allowing employees to save to achieve financial security at an old age. The purpose of the paper is to identify whether and how the perception of old age affects behavior related to additional saving in Employee Capital Plans (ECP). The paper presents the results of own quantitative research conducted with the use of the CAWI method in 2021. The survey was performed among 148 employees of Poznań University of Economics and Business (PUEB). The conducted research shows that the hypothesis about the influence of the perception of old age on decisions regarding saving in employee capital plans should be rejected.
消费者对老年经济安全的态度和行为是由许多因素决定的。它们包括对老年的看法和对这一阶段生活的期望。本文中提出的研究和考虑受到2019年引入员工资本计划的启发。他们是波兰养老金市场上的一个新机构,允许员工在年老时储蓄以获得财务保障。本文的目的是确定老年感知是否以及如何影响员工资本计划(ECP)中与额外储蓄相关的行为。本文介绍了自己在2021年使用CAWI方法进行的定量研究结果。这项调查是在波兹纳斯经济贸易大学(PUEB)的148名员工中进行的。所进行的研究表明,关于老年感知对员工资本计划中储蓄决策的影响的假设应该被拒绝。
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引用次数: 0
Employee Capital Plans performance through the lens of the participant — how to (better) measure and inform about the returns 员工资本计划的表现通过参与者的镜头-如何(更好地)衡量和通知回报
Pub Date : 2023-07-21 DOI: 10.19195/2658-1310.29.1.1
Adam Barembruch, Kamila Bielawska
In recent decades, an increased effort to increase private retirement savings can be observed, especially in countries where public pensions have been the main source of livelihood during retirement. To increase participation in occupational as well as individual pension plans, states often use financial incentives (personal income tax reductions, preferential tax rates, subsidies). However, experience from studies in various countries shows that these incentives may not be efficient and/or attract mainly high earners. Mobilizing Poles to save for retirement in light of the paradigm shift in pension security in Poland caused by the 1999 reform has proven to be a major challenge. Given the mediocre development of the private pension plan market, a new type of workplace pension plans based on automatic enrollment called Employee Capital Plans (ECP) began to be implemented in 2019. However, despite the plan’s favorable funding mechanism, especially from the perspective of low- and middle-income earners, participation remains low. In the article, we argue that a change in the manner in which program participants are being reported their earned rates of return could increase interest in ECP participation. Following the investment performance of 60 FZDs, operating within the framework of ECP in Poland, we show that the total returns presented by the managers of FZDs and Polish FSA are lower than the returns measured from the perspective of participant contributions using the IRR method. Significantly higher results are also achieved by those with low earnings, who can make reduced contributions to ECP. Thus, we recommend the introduction of a standard for the presentation of ECP investment results from the participant’s point of view, taking into account the ECP financing mechanism.
近几十年来,可以观察到增加私人退休储蓄的努力有所增加,特别是在公共养恤金一直是退休期间主要生活来源的国家。为了提高职业和个人养老金计划的参与度,各州经常使用财政激励措施(个人所得税减免、优惠税率、补贴)。然而,各国研究的经验表明,这些奖励可能不有效和/或主要吸引高收入者。鉴于1999年改革引起的波兰养老金保障的范式转变,动员波兰人为退休储蓄已被证明是一项重大挑战。鉴于私营养老金计划市场发展平平,2019年开始实施一种基于自动登记的新型职场养老金计划,即员工资本计划(ECP)。然而,尽管该计划有有利的资助机制,特别是从低收入和中等收入者的角度来看,参与率仍然很低。在本文中,我们认为,改变项目参与者报告其收益率的方式可能会增加对ECP参与的兴趣。根据波兰60个FZDs在ECP框架下的投资表现,我们发现FZDs和波兰FSA的管理者提供的总回报低于使用IRR方法从参与者贡献的角度测量的回报。那些收入较低的人也取得了显著更高的结果,他们可以减少对ECP的贡献。因此,我们建议引入一种标准,从参与者的角度来介绍ECP投资结果,同时考虑到ECP融资机制。
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引用次数: 0
The design thinking method as an example of social innovation in action based on the case study of ProPoLab 以ProPoLab为例,以设计思维方法作为社会创新的实践范例
Pub Date : 2023-07-21 DOI: 10.19195/2658-1310.29.1.6
Mariusz Dybał
The aim of the paper is to explain and to understand the processes of public services delivery from the perspective of social innovation. Concepts of co-creation and social innovation were elaborated on the basis of one of ProPoLab’s milestones: Design Thinking Workshops. Hence the research object are the residents (mostly seniors) of the district of Popowice, while the quality of life of seniors is its subject. The main research goals were firstly to identify needs of residents in relations to public services, and secondly to design a socially innovative solution that will increase the quality of life of seniors. To achieve these goals, the following research tasks have been set: (a) identifying the needs of seniors, (b) identifying which of those needs are being met locally and which are not, (c) to identify what are the relations between neighbors and the attitude towards cooperation, (d) identifying how the needs of seniors could be met. The research mainly covers the period of 2018–2019. Following research methods have been used: analysis of scientific literature and normative documents, design thinking methodology, comparative analysis and statistical analysis. Utilizing design thinking methodology helped to reveal that the problem of communication between residents can be solved by creating a small, accessibly located community/activity center in their housing estate. This place should meet the needs of activity and self-fulfillment, exchange of information and intergenerational exchange. Time availability is very important, and the space intended for seniors should function in an hourly timeframe similar to daycare centers. Residents should be included in drafting a program to better identify and respond to their needs. Seniors would likely be happy to provide volunteer work in such a place. The facility should be located in the middle of the housing estate so that all residents have easy access to it, optimally in pleasant natural surroundings (i.e. near vegatation), as well as in close proximity to playgrounds for children.
本文的目的是从社会创新的角度来解释和理解公共服务提供的过程。共同创造和社会创新的概念是在ProPoLab的里程碑之一:设计思维研讨会的基础上阐述的。因此,研究对象是Popowice区的居民(主要是老年人),老年人的生活质量是研究的主题。主要的研究目标首先是确定居民对公共服务的需求,其次是设计一个社会创新的解决方案,以提高老年人的生活质量。为了达到这些目标,我们设定了以下研究任务:(a)确定长者的需要;(b)确定哪些需要在本地得到满足,哪些没有;(c)确定邻里之间的关系和对合作的态度;(d)确定如何满足长者的需要。研究时间主要为2018-2019年。研究方法主要有:科学文献和规范性文件分析法、设计思维法、比较分析法和统计分析法。利用设计思维方法有助于揭示居民之间的沟通问题,可以通过在他们的住宅区创建一个小型的、可访问的社区/活动中心来解决。这个地方应该满足活动和自我实现、信息交换和代际交流的需要。时间的可用性是非常重要的,为老年人设计的空间应该像日托中心一样按小时运行。居民应该参与到计划的起草中,以更好地识别和回应他们的需求。老年人可能会很乐意在这样的地方提供志愿者工作。该设施应位于住宅小区的中央,以便所有居民都能方便地前往,最好是在宜人的自然环境中(即靠近植被),并靠近儿童游乐场。
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引用次数: 0
Assessment of the performance persistence of Employee Capital Plans 员工资本计划绩效持续性评估
Pub Date : 2023-07-21 DOI: 10.19195/2658-1310.29.1.5
Dawid Banaś
Estimating the future return rates is virtually impossible. However, it is possible to verify whether financial institutions that invest entrusted funds are able to maintain high rates of return for a long time. This phenomenon is referred to as performance persistence, and has become the object of interest of the author of this article in relation to Employee Capital Plans (ECP). A research hypothesis was adopted that performance persistence in ECP does occur. It was verified using contingency tables that were created for defined date funds that operate in ECP, using monthly rates of return and the Sharpe index. The results obtained by the author allowed concluding that the performance persistence of rates of return in the case of ECP occurs for a maximum of half of the research period.
估计未来的回报率实际上是不可能的。但是,对委托资金进行投资的金融机构是否能够长期保持较高的收益率是可以验证的。这种现象被称为绩效持久性,并已成为本文作者在员工资本计划(ECP)方面感兴趣的对象。采用了一个研究假设,即在ECP中确实存在绩效持续性。通过使用月回报率和夏普指数,为在ECP中运行的确定日期基金创建了列联表,对其进行了验证。作者得出的结论是,在ECP的情况下,回报率的表现持久性最多发生在研究期间的一半。
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引用次数: 0
Supporting self-esteem and self-acceptance in commercial brand campaigns created during a pandemic: Social and marketing aspects 在大流行期间创建的商业品牌活动中支持自尊和自我接受:社会和营销方面
Pub Date : 2023-03-07 DOI: 10.19195/2658-1310.28.3.7
Magdalena Daszkiewicz
Commercial brands are increasingly running campaigns supporting self-esteem and self-acceptance in response to social events, trends, and expectations related to social responsibility. By conducting such campaigns, brands try to pursue social and marketing objectives. The pandemic period was associated with increased problems and strengthening of social trends regarding self-acceptance and self-esteem. Therefore, the importance of actions related to these issues is of particular social relevance today. The pandemic conditions may have been reflected in the content and features of advertising campaigns and the associated consumer expectations and attitudes. In recent studies, far too little attention has been paid to intentional supporting self-esteem and self-acceptance in commercial brand campaigns. The article responds to an identified need for research concerning key messages and characteristic features of contemporary self-esteem advertisements, which may be linked to the specific social context. The important research issue is also the marketing and social value of advertising supporting self-esteem and self-acceptance. The article aims to identify key messages and features of commercial brand campaigns created during the pandemic that support self-esteem and self-acceptance. It also attempts to assess such campaigns in terms of their social and marketing value. These objectives were accomplished by using qualitative and quantitative methods. The research procedure involved three stages: desk research based on studies from the pandemic period regarding self-acceptance and self-esteem issues, a collective case study of campaigns of three brands supporting self-esteem and self-acceptance and a diagnostic survey using an online questionnaire on the consumer perception of such campaigns and their value judgments resulting from expectations, motives, and impact assessments. The research is placed in the context of a pandemic, but the trends identified, key messages and features of the self-esteem campaigns, and assessment dimensions may remain relevant in the future.
商业品牌越来越多地开展支持自尊和自我接纳的活动,以回应与社会责任相关的社会事件、趋势和期望。通过开展这样的活动,品牌试图追求社会和营销目标。大流行时期与自我接纳和自尊方面的问题增多和社会趋势加强有关。因此,与这些问题有关的行动的重要性在今天具有特别的社会意义。大流行病的情况可能反映在广告宣传的内容和特点以及相关的消费者期望和态度上。在最近的研究中,很少有人注意到在商业品牌活动中有意支持自尊和自我接受。本文回应了对当代自尊广告的关键信息和特征的研究需求,这可能与特定的社会背景有关。重要的研究问题也是广告支持自尊和自我接受的营销和社会价值。本文旨在确定大流行期间创建的支持自尊和自我接受的商业品牌活动的关键信息和特征。它还试图评估这些活动的社会和营销价值。这些目标是通过使用定性和定量方法来实现的。研究过程包括三个阶段:基于大流行时期关于自我接受和自尊问题的研究的案头研究,对三个品牌支持自尊和自我接受的活动进行集体案例研究,以及使用在线问卷对消费者对此类活动的看法以及基于期望、动机和影响评估的价值判断进行诊断性调查。这项研究是在大流行病的背景下进行的,但所确定的趋势、自尊运动的主要信息和特点以及评估方面在未来可能仍然具有相关性。
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引用次数: 0
Participatory budgeting: Is it a useful tool towards co-creation of public services? 参与式预算:它是共同创造公共服务的有用工具吗?
Pub Date : 2023-03-07 DOI: 10.19195/2658-1310.28.2.4
Mariusz Dybał
The research aim of the present paper was to check whether participatory budgeting fulfills the concept of co-creation of public services in Poland. To achieve this goal, the following research tasks have been implemented: (1) to identify the legal solutions of citizens’ cooperation, (2) to identify the characteristics of participatory budgeting in terms of co-creating public services, (3) to identify the amount and structure of participatory budgeting, (4) to provide cross-country comparison, and (5) to identify difficulties in using participatory budgeting. It has been revealed that in 2021, participatory budgeting was most popular in big cities where it is compulsory. In 2019, Poland (with 2,014 budgets) and Portugal (1,666 budgets) were responsible for 71.69% of all implemented participatory budgets in Europe. In 2018, Europe constituted 48.9% of all worldwide projects, mostly because of their compulsory nature in Poland and Portugal. Participatory budgeting might be successful in its implementation, but needs: involvement of the local community; planning of preparatory activities; communication between all entities involved in the project; appointment of a team that will coordinate the preparation of the participatory budget. According to the research, participatory budgeting is a platform for social activation and providing services better suited to the needs of the inhabitants. Participatory budgeting is a certain form of co-creating public services, as the inhabitants create projects and decide on the allocation of funds for the implementation of public services. Nevertheless, it is a limited version of co-creation, since residents are not involved in all parts of the process. The research covers mainly the years 2018–2022. In the present paper, the following research methods have been used: analysis of scientific literature and normative documents, co-creation methodology, comparative analysis, and statistical analysis.
本文的研究目的是检验参与式预算是否符合波兰共同创造公共服务的理念。为实现这一目标,本文实施了以下研究任务:(1)确定公民合作的法律解决方案;(2)确定参与式预算在共同创造公共服务方面的特征;(3)确定参与式预算的数量和结构;(4)提供跨国比较;(5)确定使用参与式预算的困难。据调查,2021年,参与式预算在强制实施参与式预算的大城市最受欢迎。2019年,波兰(2014个预算)和葡萄牙(1666个预算)占欧洲所有实施参与性预算的71.69%。2018年,欧洲占全球所有项目的48.9%,主要是因为波兰和葡萄牙的强制性项目。参与式预算可能会成功实施,但需要:当地社区的参与;筹备活动的策划;参与项目的所有实体之间的沟通;任命一个协调编制参与性预算的小组。根据研究,参与式预算是一个社会活动和提供更适合居民需求的服务的平台。参与式预算是共同创造公共服务的一种形式,因为居民创造项目并决定用于实施公共服务的资金分配。然而,这是一个有限版本的共同创造,因为居民并没有参与整个过程的所有部分。该研究主要涵盖2018-2022年。本文采用的研究方法主要有:科学文献和规范性文件分析法、共同创造法、比较分析法和统计分析法。
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引用次数: 0
Aging of the population and the quality of life 人口老龄化与生活质量
Pub Date : 2023-03-07 DOI: 10.19195/2658-1310.28.3.1
Anna Gardocka-Jałowiec, K. Szalonka
The paper aims at presenting the quality of life in terms of the deepening population aging process conditioned (to a great extent) by the progressive convergence of technologies. The interdisciplinary, theoretical nature of the considerations is a voice in the discussion on the interpretation, place, and role of quality of life, with particular emphasis on the extension of human life as a consequence of medical development. The authors applied the descriptive analysis method to present the category of quality of life, the phenomenon of population aging, the specificity of technological changes, and selected issues in the field of demographic changes. Polish and foreign literature on the subject was the basis for the considerations. The theoretical aspect of the research is supplemented by the empirical part supported by available secondary data published by Eurostat and Statistics Poland (Główny Urząd Statystyczny). Poland has been in the top thirty demographically old countries in the world for many years. In 1967, it crossed the threshold of demographic old age, and in 1980 — the threshold of advanced demographic old age. The demographic forecasts of Statistics Poland indicate that the number of people in retirement age will increase, and in 2035, it will reach 26.7% of the population. The observed and forecasted decline in the total population and the growth in the number of people in the senior age lead to an increase in the demographic dependency ratio of the elderly. The convergence of technologies revealed in medicine creates a new perspective on the population aging process. Extending human life allows one to recognize that the quality of life becomes: 1. the most desirable result of all healthcare policies; 2. dependent on the change of the healthcare model, i.e., the transition from the dominant model of reactive and retrospective care to the desired proactive and prospective model.
本文旨在从人口老龄化进程深化的角度来呈现生活质量,这一进程在很大程度上是由技术的逐步融合所决定的。跨学科的,理论性质的考虑是一个声音在讨论的解释,地方,和生活质量的作用,特别强调人类寿命的延长作为医学发展的结果。作者运用描述性分析的方法,提出了生活质量的范畴、人口老龄化的现象、技术变革的特殊性,以及人口变化领域的一些选择问题。关于这个问题的波兰和外国文献是考虑的基础。研究的理论方面由欧盟统计局和波兰统计局(Główny Urząd Statystyczny)公布的现有二手数据支持的实证部分补充。波兰多年来一直是世界上人口老龄化最严重的30个国家之一。1967年跨过了人口老龄化的门槛,1980年跨过了人口高龄的门槛。波兰统计局的人口预测表明,退休年龄的人口数量将会增加,到2035年,这一数字将达到总人口的26.7%。观察和预测的总人口下降和老年人口的增长导致老年人的人口抚养比上升。医学技术的融合为人口老龄化进程提供了新的视角。延长人类寿命使人们认识到生命的质量变得:1。所有医疗政策中最理想的结果;2. 取决于医疗模式的改变,即从被动和回顾性护理的主导模式向期望的主动和前瞻性模式的转变。
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引用次数: 0
Competitiveness of international merchandise trade: The case of Poland 国际商品贸易的竞争力:波兰的案例
Pub Date : 2023-03-07 DOI: 10.19195/2658-1310.28.2.1
M. Radło, Aleksandra Szarek-Piaskowska
The aim of the article is to present the possibilities that qualitative classifications of industries and goods introduce to the analysis of structural changes in the economy, as well as to assess changes in the international competitiveness of Polish merchandise trade in the long term. The article presents a review of the literature and the results of authors’ own research on the structure of Polish merchandise trade. The study uses Lall’s classification of goods which is relatively innovative and rarely used in the existing literature. By using this classification and the analysis of revealed comparative advantages (RCA) we also managed to assess the competitiveness of Polish exports. The research shows that since Poland’s accession to the European Union, the international competitiveness of Polish trade in terms of its technological level has changed only slightly. After the growth in the first years of Poland’s EU membership, the share of high technology products in the export structure stagnated in the 2010s and was still lower than that of medium or low technology products. Throughout the researched period, the RCA for high-tech products remained on the “foreign” side.
本文的目的是介绍行业和商品的定性分类引入经济结构变化分析的可能性,以及评估波兰商品贸易长期国际竞争力的变化。本文对波兰商品贸易结构的文献和作者自己的研究结果进行了综述。本研究采用了Lall的商品分类,这是比较创新的,在现有文献中很少使用。通过使用这种分类和显示比较优势分析(RCA),我们还设法评估波兰出口的竞争力。研究表明,自波兰加入欧盟以来,波兰贸易在技术水平方面的国际竞争力仅略有变化。在波兰加入欧盟的头几年增长之后,高技术产品在出口结构中的份额在2010年代停滞不前,仍然低于中、低技术产品。在整个研究期间,高科技产品的RCA仍然处于“外国”一方。
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引用次数: 0
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Ekonomia Spoleczna
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