• •

收入、预期寿命和社会养老保险收入再分配效应

• 出版日期:2019-03-25 发布日期:2019-03-27

Income,Life Expectancy and the Income Redistribution Effect of Social Pension Insurance

Zhang Xiang et al.

• Online:2019-03-25 Published:2019-03-27

Abstract: Taking stock of heterogeneity in life expectancy among the insured with different baselines of premium payment in the Basic Pension Insurance for Urban Employees（BPIUE）, this paper studies the pension income redistribution effect among the insured in BPIUE by calculating the internal rates of returns（IRRs）. Based on the provincial cross-section data, the average life expectancy at the retirement ages is calculated for the insured with different pension payments, and then IRRs for various groups of the insured is estimated and compared. It is found that there is a weak positive pension income redistribution effect existing in BPIUE. Although the IRRs of the insured with low premium payment bases is slightly higher than those with medium and high premium payment bases, their total IRRs are greatly reduced due to their relatively short lifespan. This reminds policy makers of special attention paid to the low-income insured when formulating policies such as delaying retirement and unifying UPIUE at the national level, taking the discrepancy of life expectancy among the different groups of the insured. .