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Sparfähigkeit und Vorsorge gegenüber sozialen Risiken bei Selbständigen: Einige Informationen auf der Basis der Einkommens- und Verbrauchsstichprobe 1998

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  • Fachinger, Uwe

Abstract

Das Ziel des Beitrages liegt in der Analyse der Sparfähigkeit und spezifischer Vorsorgeformen von Personen bzw. Haushalten, deren Einkommen überwiegend aus einer selbständigen Erwerbstätigkeit erzielt wird. Zur Charakterisierung der Sparfähigkeit werden Informationen über die Einkünfte und die Vermögensbestände von Haushalten mit einer selbständig erwerbstätigen Bezugsperson ermittelt, bei deren Beurteilung auch der Haushaltstyp bzw. die spezifische Haushaltssituation berücksichtigt wird. Dies geschieht auf der Grundlage eines scientific use files der Einkommens? und Verbrauchsstichprobe des Statistischen Bundesamtes aus dem Jahre 1998. Als Resultat zeigt sich auf der Grundlage der Querschnittanalyse cum grano salis, daß sich die Sparfähigkeit der Selbständigen im Durchschnitt nicht wesentlich von der der abhängig Beschäftigten unterscheidet. Weiterhin wird deutlich, daß die EVS '98 nur sehr eingeschränkt zur Analyse der Risikovorsorge privater Haushalte gegenüber sozialen Risiken geeignet ist. Es können dennoch Indizien ermittelt werden, die darauf hinweisen, daß die Gruppe der Selbständigen sehr heterogen im Hinblick auf die Vorsorge gegenüber einem Einkommensausfall und / oder einer zusätzlichen Belastung durch den Eintritt eines allgemeinen Lebensrisikos ist. So sind annähernd alle Personen in einer Kranken? und damit auch in der Pflegeversicherung abgesichert und rund 84,7 vH der Selbständigen verfügen über eine Altersvorsorge im engeren Sinne. Zu bedenken ist ferner, daß die Möglichkeit einer Absicherung durch eine Institution der Sozialversicherung oder durch ein privatwirtschaftliches Unternehmen gegenüber einer Phase des Einkommensausfalls infolge fehlender Aufträge oder gegenüber einer Insolvenz nicht existiert. -- The aim of the paper is to analyse the ability of persons or households, with earnings mainly out of independent work, to save money and to look on the specific kind of provisions they have made against so called social risks. To characterise the ability to save, the income and wealth distribution of households with a self?employed head are determined. For this and for judging the type of the household or the household situation has to be taken into account. This is to be done on the basis of a scientific use file of the Income and Expenditure Survey (IES '98) of the Federal Statistical Office Germany of the year 1998. The result on the basis of the cross section analysis is cum grano salis, that on average the ability of households with a self?employed head to save money does not much differs from that of the households with employed heads. Furthermore it becomes obvious, that the IES ’98 is only partly suitable to analyse the provisions of private households against social risks. Nevertheless it is possible to gain some evidence on the heterogeneity of the group of self? employed households concerning the provisions against a loss of income and / or an additional financial burden in consequence of the occurrence of a general risk of life. So nearly all persons do have a health insurance, a long term care insurance, and around 84.7 % have an old age security. Further it has to be taken into account, that the possibility of provision against a phase without income due to the lack of orders or against insolvency does not exist.

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Bibliographic Info

Paper provided by University of Bremen, Centre for Social Policy Research (ZeS) in its series Working papers of the ZeS with number 01/2002.

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Date of creation: 2002
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Handle: RePEc:zbw:zeswps:012002

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  1. Klaus-Dietrich Bedau, 1999. "Geldvermögen und Vermögenseinkommen der privaten Haushalte," DIW Wochenbericht, DIW Berlin, German Institute for Economic Research, vol. 66(30), pages 559-567.
  2. Jenkins, S. & O'Higgins, M., 1988. "Inequality Measurement Using 'Norm Incomes': Were Garvey And Paglin Onto Something After All?," Papers 174, Australian National University - Department of Economics.
  3. Minarik, Joseph J, 1977. "The Measurement and Trend of Inequality: Comment," American Economic Review, American Economic Association, vol. 67(3), pages 513-16, June.
  4. Kurien, C John, 1977. "The Measurement and Trend of Inequality: Comment," American Economic Review, American Economic Association, vol. 67(3), pages 517-19, June.
  5. Paglin, Morton, 1977. "The Measurement and Trend of Inequality: Reply," American Economic Review, American Economic Association, vol. 67(3), pages 520-31, June.
  6. Paglin, Morton, 1975. "The Measurement and Trend of Inequality: A Basic Revision," American Economic Review, American Economic Association, vol. 65(4), pages 598-609, September.
  7. Paglin, Morton, 1979. "The Measurement of Inequality: Reply," American Economic Review, American Economic Association, vol. 69(4), pages 673-77, September.
  8. Fachinger, Uwe, 1998. "Die Verteilung der Vermögen privater Haushalte: Einige konzeptionelle Anmerkungen sowie empirische Befunde für die Bundesrepublik Deutschland," Working papers of the ZeS 13/1998, University of Bremen, Centre for Social Policy Research (ZeS).
  9. Danziger, Sheldon & Haveman, Robert H & Smolensky, Eugene, 1977. "The Measurement and Trend of Inequality: Comment," American Economic Review, American Economic Association, vol. 67(3), pages 505-12, June.
  10. Klaus-Dietrich Bedau, 1999. "Zur Einkommenslage in den freien Berufen," DIW Wochenbericht, DIW Berlin, German Institute for Economic Research, vol. 66(2), pages 51-60.
  11. Klaus-Dietrich Bedau, 1995. "Das Einkommen der Freiberufler in Westdeutschland," DIW Wochenbericht, DIW Berlin, German Institute for Economic Research, vol. 62(37), pages 642-652.
  12. Johnson, William R, 1977. "The Measurement and Trend of Inequality: Comment," American Economic Review, American Economic Association, vol. 67(3), pages 502-04, June.
  13. Dräther, Hendrik & Fachinger, Uwe & Oelschläger, Angelika, 2001. "Selbständige und ihre Altersvorsorge: Möglichkeiten der Analyse anhand der Mikrozensen und erste Ergebnisse," MPRA Paper 1130, University Library of Munich, Germany.
  14. Klaus-Dietrich Bedau, 1999. "Entwicklung der Einkommenspositionen von Haushaltsgruppen in Deutschland," DIW Wochenbericht, DIW Berlin, German Institute for Economic Research, vol. 66(3), pages 79-88.
  15. Paglin, Morton, 1989. "On the Measurement and Trend of Inequality: Reply," American Economic Review, American Economic Association, vol. 79(1), pages 265-66, March.
  16. Klaus-Dietrich Bedau, 1999. "Ersparnis und Vorsorgeaufwendungen nach Haushaltsgruppen," Discussion Papers of DIW Berlin 187, DIW Berlin, German Institute for Economic Research.
  17. Wertz, Kenneth L, 1979. "The Measurement of Inequality: Comment," American Economic Review, American Economic Association, vol. 69(4), pages 670-72, September.
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Cited by:
  1. Bögenhold, Dieter & Fachinger, Uwe, 2005. "Konsummuster im Kontrast: Die Entwicklung unterschiedlicher Einkommensverwendungsmuster anhand verschiedener Haushaltstypen im zeitlichen Wandel," MPRA Paper 1124, University Library of Munich, Germany, revised 2005.
  2. Gottschall, Karin & Kroos, Daniela, 2003. "Self-employment in Germany and the UK: Labor market regulation, risk-management and gender in comparative perspective," Working papers of the ZeS 13/2003, University of Bremen, Centre for Social Policy Research (ZeS).

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