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Theorie Der Renten- Und Invaliditätsversicherung
Paperback
Series: Studies in Contemporary Economics
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ISBN10: 354051368X
ISBN13: 9783540513681
Publisher: Springer
Published: Jul 12 1989
Pages: 222
Weight: 0.84
Height: 0.50 Width: 6.69 Depth: 9.61
Language: German
ISBN13: 9783540513681
Publisher: Springer
Published: Jul 12 1989
Pages: 222
Weight: 0.84
Height: 0.50 Width: 6.69 Depth: 9.61
Language: German
Die gesetzliche Rentenversicherung und die Invaliditätsversicherung werden im vorliegenden Buch kritisch untersucht. In einem mikroökonomischen Modell werden die Konsum-, Spar- und Arbeitsentscheidungen der Mitglieder analysiert. U.a. wird der Feldstein-Hypothese nachgegangen, sowie eine allokativ neutrale Beitragsgestaltung der leistungsbezogenen Altersrente betrachtet. Der Generationenvertrag wird in einem Modell sich überlappender Generationen besonders plastisch, langfristige Entwicklungstrends werden aufgezeigt und ein Vergleich verschiedener Finanzierungsverfahren der gesetzlichen Rentenversicherung ermöglicht. Ein weiterer Teil behandelt die Invaliditätsversicherung. Die Berücksichtigung des moralischen Risikos führt zu dem grundlegenden Ergebnis, da Invaliditätsrenten mit der Länge der Beitragsphase steigen sollen. Dem Laien wird diese Aussage als selbstverständlich erscheinen, jedoch wei der Experte, da eindeutige Aussagen dieser Art nur selten abzuleiten sind, da Anreizprobleme einen hohen Grad der Komplexität in sich bergen. Das Besondere des Buches liegt in der durch die Neoklassik geprägten Analyse, die auch vor Tabus nicht halt machen will. So wird die Vorteilhaftigkeit der gesetzlichen Rentenversicherung stark in Zweifel gezogen und ein Plädoyer für alternative Finanzierungsverfahren und mehr Wettbewerb mit privaten Versicherungen gehalten. Dem Leser wird bei der Lektüre eine Abkehr vom Denken in Besitzstandswahrungen und eine Hinwendung zur allokativen Effizienz nahegelegt. Promotoren der gesetzlichen Rentenversicherung werden sich in Zukunft verstärkt mit den hier geäu erten Ansichten auseinandersetzen müssen.
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