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年金制度と幸福度

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  • 佐々木, 一郎
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    Abstract

    本研究の目的は、年金制度が幸福度に及ぼす影響を分析することである。これまで多くの先行研究では、人々の幸福度に影響する要因として、主に収入や学歴、婚姻状況、健康状態などのファクターに着目してきた。だが、先行研究であまり焦点の当てられることのなかった年金制度もまた、幸福度に影響していることが考えられる。その理由としては、長寿化によって老後期間が人生全体に占めるウェイトが飛躍的に大きくなってきていること、さらに、老後収入の大半が公的年金で占められ、年金給付水準が老後の経済的豊かさを大きく左右するようになってきているからである。本研究の主要な分析結果は、次の2つである。第1に、低年金・無年金につながりやすい公的年金未納・未加入者は、公的年金納付者等よりも幸福度が低いことが明らかになった。第2に、年金額が高い厚生年金・共済年金加入者は、年金額が低い国民年金加入者よりも幸福度が高いことが明らかになった。年金政策へのインプリケーションとしては、公的年金未納・未加入問題の解決は、老後の低年金・無年金の予防という点で重要であるだけではなく、人々の幸福度を高めるという観点からも非常に重要であることが示唆される。

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    File URL: http://hermes-ir.lib.hit-u.ac.jp/rs/bitstream/10086/22878/1/cis_dp548.pdf
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    Bibliographic Info

    Paper provided by Center for Intergenerational Studies, Institute of Economic Research, Hitotsubashi University in its series CIS Discussion paper series with number 548.

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    Length: 16p
    Date of creation: Mar 2012
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    Handle: RePEc:hit:cisdps:548

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    Keywords: 公的年金の未納・未加入; 加入状況; 年金給付水準; 幸福度;

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