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Oszczędzanie na starość w świetle danych Europejskiego Sondażu Społecznego - Polska na tle innych krajów

Author

Listed:
  • Agnieszka Pleśniak

    (Szkoła Główna Handlowa w Warszawie)

Abstract

W Polsce niewiele osób oszczędza w celu zabezpieczenia własnej starości, na co wskazują zarówno badania przeprowadzone w Polsce jak i porównania międzynarodowe. Celem opracowania jest odpowiedź na pytanie czy niski odsetek oszczędzających na starość w Polsce można tłumaczyć warunkami panującymi w Polsce (poziom zamożności, system emerytalny) oraz oczekiwaniami wobec roli państwa w zapewnieniu zabezpieczenia emerytalnego. W pierwszej części opracowania zachowania i opinie były analizowane na poziomie krajowym. W drugiej części przeprowadzono analizę na poziomie indywidualnym w celu identyfikacji czynników wpływających na prawdopodobieństwo partycypacji w oszczędzaniu w poszczególnych krajach oraz (z uwagi na ryzyko popełnienia błędu ekologicznego) weryfikacji związków analizowanych na poziomie krajowym. Przekonanie, że państwo powinno być w głównej mierze odpowiedzialne za zapewnienie odpowiedniego standardu życia na starość zmniejsza szansę na oszczędzanie na starość, zaś skłonność do planowania przyszłości szansę tę zwiększa, przy założeniu pozostałych warunków niezmienionych. Z kolei obawa, że dochody na starość będą niewystarczające by pokryć wydatki tylko w czterech krajach przekłada się na oszczędzanie na starość. Jest to ważny wniosek z punktu kształtowania polityki społecznej, gdyż sama świadomość, tego, że dochody na starość będą zbyt niskie nie wystarczy by podjąć działania skierowane na zabezpieczenie własnej starości.

Suggested Citation

  • Agnieszka Pleśniak, 2012. "Oszczędzanie na starość w świetle danych Europejskiego Sondażu Społecznego - Polska na tle innych krajów," Collegium of Economic Analysis Annals, Warsaw School of Economics, Collegium of Economic Analysis, issue 28, pages 197-221.
    • Handle: RePEc:sgh:annals:i:28:y:2012:p:197-221
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    References listed on IDEAS

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