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Verbraucherkompetenz und Verbraucherschutz auf Wohlfahrtsmärkten: neue Herausforderungen an eine sozialpolitische Verbraucherpolitik

  • Wolfram Lamping
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    The more the welfare state withdraws from guaranteeing broad-based collective entitlements and an adequate level of social protection and the more individual well-being becomes dependent upon self-responsibility and choices on welfare markets, the more citizens are obliged to become informed managers of their own social security portefolios. The effective use of these new welfare markets as well as the consequences of increasingly relying on social security produced on these markets make high demands - both on the new "consumers" who have to develop new market competencies and market knowledge and with regard to the development of an adequate and elaborated consumer enabling and consumer protection policy. This is a new social-policy challenge for the German welfare state which increasingly relies on one's own initiative and self-responsibility, yet still is pretty hesitant to enable citizens to respond adequately to these new and risky challenges. Je weiter sich der deutsche Sozialstaat aus seinen Sicherungsversprechen verabschiedet, je größer die Räume gewollter politischer Eigenverantwortlichkeit werden und je größer die Anteile individueller Sicherungsleistungen sind, die auf Wohlfahrtsmärkten "produziert" werden sollen, desto höher werden die Anforderungen an die Bürger, sich zu informierten Managern ihrer eigenen Sicherungsarrangements zu entwickeln. Das Risiko von Fehlentscheidungen, bedingt durch die Zunahme von Optionen, unübersichtliche Märkte, unvollständige Information, hohe Komplexität und oft unkalkulierbare lang wirkende Folgekosten von Entscheidungen und hohem Entscheidungszwang, bedarf daher einer adäquaten Verbraucherbefähigungs- und Verbraucherschutzpolitik. Kompetenzvermittlung und Verbraucherschutz im Bereich der sozialen Sicherheit werden daher zunehmend zu einer Aufgabe in einem Sozialstaat, der seinen Bürgern in einem steigenden Maße Eigeninitiative und Eigenverantwortlichkeit abverlangt, zugleich jedoch noch zu wenig dafür tut, sie hierfür ausreichend zu befähigen.

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    Article provided by DIW Berlin, German Institute for Economic Research in its journal Vierteljahrshefte zur Wirtschaftsforschung.

    Volume (Year): 78 (2009)
    Issue (Month): 3 ()
    Pages: 44-62

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    Handle: RePEc:diw:diwvjh:78-3-3
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