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El problema de incentivos entre las AFP y los Afiliados al sistema privado de pensiones

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  • Yanneth Rocío Betancourt G.

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Abstract

Los afiliados al sistema de ahorro individual delegan el manejo de sus ahorros a una administradora privada esperando de ella una buena gestión y un rendimiento que le garantice la maximización de sus ingresos futuros, en contraprestación de una comisión. Aunque el afiliado espera que tal ente haga el esfuerzo necesario para que sus ahorros sean invertidos eficientemente, existe un problema de riesgo moral que no le permite verificar directamente el desempeño de la administradora, por lo que se puede presentar un comportamiento oportunista por parte de ésta. El objetivo, entonces, es determinar el contrato óptimo con información incompleta, que haga compatibles los incentivos de la AFP con los del afiliado, para luego compararlo con el contrato vigente actualmente en Colombia, y determinar si el esquema de comisiones es el correcto en tales términos de incentivos.

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File URL: http://www.banrep.gov.co/documentos/publicaciones/report_estab_finan/2008/problema.pdf
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Bibliographic Info

Paper provided by Banco de la Republica de Colombia in its series Temas de Estabilidad Financiera with number 032.

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Handle: RePEc:bdr:temest:032

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