IDEAS home Printed from https://ideas.repec.org/
MyIDEAS: Login to save this paper or follow this series

Risiken im Lebenszyklus Theorie und Evidenz

  • Axel Börsch-Supan

    ()

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

Registered author(s):

    Der einzelne Mensch ist im Lebensverlauf erheblichen biometrischen, ökonomischen, familiären und politischen Risiken ausgesetzt. Viele meinen, diese wären in den letzten Jahren größer geworden. Haben wir die richtigen Institutionen, um diese Risiken effizient abzudecken? Unter Institutionen verstehen wir individuelles Sparen, familiäre Hilfe, private Versicherungen und schließlich den Staat mit seinen Sozialversicherungen. Wo und wann funktionieren diese Institutionen? Wo und wann nicht? Was muss man tun, um sie zu verbessern? Wie sieht modernes „Social Risk Management“ aus? Der erste Teil dieses Übersichtsbeitrags skizziert die wirtschaftstheoretischen Grundlagen des Sparverhaltens, der Portefeuillewahl und der Versicherungsnachfrage. Im Hauptteil werden die empirischen Befunde gesammelt, um im dritten Teil wirtschaftspolitische Schlussfolgerungen zu ziehen. ––– Individuals are exposed over the life cycle to considerable biometric, economic, family and political risks. Do we have the right institutions to cover these risks efficiently? We use the term “institutions“ in a broad sense comprising individual saving, family help, private insurances and finally the state with its social insurance systems. Where and when do these institutions work efficiently and effectively? Where and when do they fail? What needs to be done to improve them? How does modern „social risk management“ look like? The paper sketches the theoretical underpinnings of saving behavior, portfolio choice and insurance demand and collects the empirical evidence in order to draw economic policy conclusions.

    If you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.

    File URL: http://mea.mpisoc.mpg.de/uploads/user_mea_discussionpapers/gctandd14qcmxf1f_gctandd14qcmxf1f_69-2005.pdf
    Download Restriction: no

    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 05069.

    as
    in new window

    Length:
    Date of creation: 07 Feb 2005
    Date of revision:
    Handle: RePEc:mea:meawpa:05069
    Contact details of provider: Postal: Munich Center for the Economics of Aging (MEA) at the Max Planck Institute for Social Law and Social Policy, Amalienstraße 33, 80799 München, Germany
    Phone: +49/89/38602.442
    Fax: +49/89/38602.490
    Web page: http://www.mea.mpisoc.mpg.de/

    Order Information: Email:


    No references listed on IDEAS
    You can help add them by filling out this form.

    This item is not listed on Wikipedia, on a reading list or among the top items on IDEAS.

    When requesting a correction, please mention this item's handle: RePEc:mea:meawpa:05069. See general information about how to correct material in RePEc.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: (Henning Frankenberger)

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If references are entirely missing, you can add them using this form.

    If the full references list an item that is present in RePEc, but the system did not link to it, you can help with this form.

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your profile, as there may be some citations waiting for confirmation.

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    This information is provided to you by IDEAS at the Research Division of the Federal Reserve Bank of St. Louis using RePEc data.