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Nach der Reform ist vor der Reform:Weitere Schritte für eine nachhaltige Reform der Altersvorsorge in Deutschland

  • Axel Börsch-Supan

    ()

    (Munich Center for the Economics of Aging (MEA))

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    Auch nach der Rentenreform 2000 wird das Alterseinkommen im wesentlichen von der umlagefinanzierten gesetzlichen Rentenversicherung getragen werden. Die zumeist unterschätzte Alterung der Bevölkerung und die nach wie vor bestehenden Anreizeffekte auf das Arbeitskräfteangebot werden daher weiterhin die gesetzliche Rentenversicherung unter großen Druck setzen. Dieses Papier vertritt den Standpunkt, daß eine nachhaltige Sanierung der Rentenversicherung weitere Reformschritte benötigt. Die umlagefinanzierte Pflichtversicherungssäule sollte versicherungsmathematisch angepaßt werden, den Versicherten ein transparentes Kontensystem anbieten und die Beitragssätze auf ihrer jetzigen Höhe einfrieren. Die neue freiwillige Zusatzversorgung sollte als Mischform der zweiten und dritten Säule gestaltet werden, um die anste-hende Alterslast verläßlich finanzieren zu können. Sie bedarf ferner einer einheitlichen und in sich konsistenten Besteuerung sowie flankierender Kapitalmarktbestimmungen.

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    Paper provided by Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy in its series MEA discussion paper series with number 02015.

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    Date of creation: 26 Jan 2002
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    Handle: RePEc:mea:meawpa:02015
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    1. Sikandar Siddiqui, 1997. "The pension incentive to retire: Empirical evidence for West Germany," Journal of Population Economics, Springer, vol. 10(4), pages 463-486.
    2. Robert Holzmann, 1996. "Pension Reform, Financial Market Development, and Economic Growth; Preliminary Evidence From Chile," IMF Working Papers 96/94, International Monetary Fund.
    3. Borsch-Supan, Axel & Schnabel, Reinhold, 1998. "Social Security and Declining Labor-Force Participation in Germany," American Economic Review, American Economic Association, vol. 88(2), pages 173-78, May.
    4. Börsch-Supan, Axel, 1998. "Incentive Effects of Social Security on Labor Force Participation: Evidence in Germany and Across Europe," Sonderforschungsbereich 504 Publications 98-29, Sonderforschungsbereich 504, Universität Mannheim;Sonderforschungsbereich 504, University of Mannheim.
    5. Axel Borsch-Supan, 1998. "Incentive Effects of Social Security on Labor Force Participation: Evidence in Germany and Across Europe," NBER Working Papers 6780, National Bureau of Economic Research, Inc.
    6. Börsch-Supan, Axel & Winter, Joachim, 1999. "Pension reform, savings behavior and corporate governance," Sonderforschungsbereich 504 Publications 99-48, Sonderforschungsbereich 504, Universität Mannheim;Sonderforschungsbereich 504, University of Mannheim.
    7. Börsch-Supan, Axel & Lührmann, Melanie, 2000. "Prinzipien der Renten- und Pensionsbesteuerung," Discussion Papers 584, Institut fuer Volkswirtschaftslehre und Statistik, Abteilung fuer Volkswirtschaftslehre.
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