作　　者： ; ; ;

机构地区： 中山大学岭南学院

出　　处： 《金融经济学研究》 2013年第4期83-93,共11页

摘　　要： 运用两期Overlapping-Generation(OLG)模型,在宏观经济框架下,考虑长寿风险暴露下延迟退休对个人与社会整体效用所产生的影响;并通过模拟比较分析发现,在长寿风险暴露下,延迟退休是个人的最优决策,同时也使得社会效用最大化。建议政府适当放松固定退休制度,改为弹性退休制度。 How to deal with longevity risk has now become a worldwide issue, and each country has put forward a corresponding policy such as delay retirement. However, opinions vary in China fiercely. Incorporating factors of the longevity risk, social security and raising retirement age,this paper adopts a two-period overlapping generation（OLG） model to analyze the effect of delaying retirement. We find that to delay retirement is individual＇ s optimal choice in exposing to longevity risk, maximizing social welfare as well. Besides, we also make comparative analysis on how declining population and alternative tax policy would affect individuals＇ delaying retirement.

关 键 词： 长寿风险 模型 延迟退休 效用最大化

领　　域： [经济管理]