退休金政策的考虑.ppt

Christine FANG
Chief Executive, HKCSS
1 February 2007
Pension Policy Concerns 退休金政策的考慮
Two Main Focus
Summary of Presentation at the Senior Officials Meeting
Pension Reforms & Pension Design in Ageing Societies
Longitudinal Study on Ageing for Policy Making
The Danish Longitudinal Future Study (DLFS)
Survey of Health, Ageing & Retirement in Europe (SHARE)
Pension Reform in Ageing Societies
Experience & Lessons
Social Pensions
Who’s going to pay
Working Longer
Experience & Lessons
Pension reform is an on-going objective-driven process.
Administrative capacity is a pre-requisite for a essful reform.
Emphasis on diversification of funding approaches or multi-pillar systems.
Consider the harmonization of fragmented schemes.
From Defined Benefits  Defined Contribution  return first, unfunded & earning-related pillar.
Experience & Lessons
Failure of pension systems resulted from
over-promising
manifest unfairness
low coverage
continuing high rates of poverty among the elderly
hinder market mobility
conflict between generations
Experience & Lessons
Pension reform objectives should include
Adequacy
Equity
Transparency
Affordability
sustainability
Who’s Going to Pay
Pension reforms involve changes in the social contract – social solidarity and sharing of risk among government, employers, employees and different generations of workers and pensioners
A threat of intergenerational conflict
Pension reform should not proceed in isolation from other social security benefits. Social policy involves labour markets, social security and welfare
Working Longer
Pension reform is increasingly focusing on extending working life.
Three inter-dependent perspectives for extending working life
Public policy
Attitudes & expectation
Employer practice