2008年智利养老金改革:家庭财务决策和性别差异

IF 3.3 3区经济学 Q1 DEVELOPMENT STUDIES Journal of Economic Policy Reform Pub Date : 2020-06-24 DOI:10.1080/17487870.2020.1778475

A. Bucciol, Martina Manfrè, Gregorio Gimenez

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引用次数: 6

摘要

摘要:本研究对智利2008年养老金改革的效果进行了评估，采用差分估计方法对具有代表性的智利人口进行了纵向调查。我们的证据表明，那些开始领取基本养老金的人增加的债务超过了他们的资产。我们认为这是债务可持续性的一个指标。女性的债务比率增加得更多，她们可能特别容易受到金融危机的影响。这一结果引发了人们对改革目标人群由于过度负债而潜在的财务脆弱性的担忧。

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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The 2008 Chilean pension reform: household financial decisions and gender differences

ABSTRACT We evaluate the effect of the 2008 pension reform in Chile, applying a difference-in-difference estimation method to longitudinal survey data representative of the Chilean population. Our evidence suggests that those who started to receive a basic pension increased their debt more than their assets. We interpret this as an indicator of debt sustainability. The debt ratio increased significantly more for women, who may be particularly exposed to financial crises. The results raise concerns about the potential financial vulnerability of the population targeted by the reform, due to over-indebtedness.

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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.