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新冠疫情与养老金提前支取态度:信任与政治意识形态的作用

COVID-19 and attitudes towards early withdrawal of pension funds: The role of trust and political ideology.

作者信息

López Fernando, Rosas Guillermo

机构信息

Facultad de Economía y Negocios, Universidad Alberto Hurtado, Erasmo Escala 1835, Santiago, Chile.

Department of Political Science, Washington University in St. Louis, Seigle Hall 288, St. Louis, United States.

出版信息

J Econ Ageing. 2022 Oct;23:100420. doi: 10.1016/j.jeoa.2022.100420. Epub 2022 Nov 8.

DOI:10.1016/j.jeoa.2022.100420
PMID:36405973
原文链接:https://pmc.ncbi.nlm.nih.gov/articles/PMC9642042/
Abstract

In response to the COVID-19 pandemic, the Chilean Congress approved three laws between July 2020 and April 2021 that allowed early withdrawals of pension funds without any eligibility constraints. In this paper, we use nationwide survey data to examine the factors associated with people's assessments about the suitability of these policies in the context of the pandemic, with a particular focus on trust and political ideology. We find that respondents that declare high levels of trust in Chile's pension system, financial system, and political institutions and actors tend to oppose early withdrawal policies. Similarly, respondents on the right of the political spectrum and those that voted for the incumbent president, who opposed this policy, also declare opposition to early withdrawals. Overall, our findings suggest that political attitudes and beliefs are associated with policy views on changes to Chile's pension-fund system and that support for early withdrawal policies may be driven by lack of confidence in institutions.

摘要

为应对新冠疫情,智利国会在2020年7月至2021年4月期间批准了三项法律,允许在没有任何资格限制的情况下提前提取养老金。在本文中,我们使用全国性调查数据来研究在疫情背景下,与人们对这些政策适用性评估相关的因素,特别关注信任和政治意识形态。我们发现,那些宣称对智利养老金体系、金融体系以及政治机构和行为者高度信任的受访者往往反对提前提取政策。同样,政治光谱右翼的受访者以及投票给反对该政策的现任总统的人也表示反对提前提取。总体而言,我们的研究结果表明,政治态度和信念与智利养老金体系改革的政策观点相关,对提前提取政策的支持可能是由于对机构缺乏信心所致。

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本文引用的文献

1
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J Risk Insur. 2021 Dec;88(4):903-936. doi: 10.1111/jori.12365. Epub 2021 Oct 20.
2
Which Early Withdrawal Penalty Attracts the Most Deposits to a Commitment Savings Account?哪种提前取款罚金能吸引最多存款存入承诺储蓄账户?
J Public Econ. 2020 Mar;183. doi: 10.1016/j.jpubeco.2020.104144. Epub 2020 Feb 8.
3
Online panels in social science research: Expanding sampling methods beyond Mechanical Turk.在线panel 调查在社会科学研究中的运用:超越 Mechanical Turk 的抽样方法。
Behav Res Methods. 2019 Oct;51(5):2022-2038. doi: 10.3758/s13428-019-01273-7.
4
Barriers to Household Risk Management: Evidence from India.家庭风险管理的障碍:来自印度的证据。
Am Econ J Appl Econ. 2013 Jan 1;5(1):104-135. doi: 10.1257/app.5.1.104.