CAJ | 학술논문

从行为经济学的角度考虑,城镇职工提前退休的决定依赖于养老保险待遇问题的＂描述形式＂。本文以职工个体的损失厌恶心理为逻辑起点,在有限理性与偏好理论分析范畴下做出养老保险政策框定的解释。提前退休职工对养老保险待遇的损失政策框定和收益政策框定有不同的偏好,鼓励提前退休则需要在政策设计上给予更多收益政策框定描述;若要使弹性退休得以实施,则政策描述应该更多倾向于损失类政策框定。
종행위경제학적각도고필,성진직공제전퇴휴적결정의뢰우양로보험대우문제적＂묘술형식＂。본문이직공개체적손실염악심리위라집기점,재유한이성여편호이론분석범주하주출양로보험정책광정적해석。제전퇴휴직공대양로보험대우적손실정책광정화수익정책광정유불동적편호,고려제전퇴휴칙수요재정책설계상급여경다수익정책광정묘술;약요사탄성퇴휴득이실시,칙정책묘술응해경다경향우손실류정책광정。
According to the economics,whether the urban workers can retire earlier rely on the description of the endowment insurance.The article begins from the individuals loss aversion psychology and give the explanation of ＂endowment insurance policy framing＂ under the analysis of limited rationality and preference theory.The ones retire early have different preference on the old-age insurance benefits loss policy framing and income policy framing.The ones who are encouraged to retire earlier must gain more profit from the income class of policy framing.Only the policy describes more loss types of policy framing can the flexible retirement policy exert.