暨南学报(哲学社会科学版)

作者：王云多

单位：黑龙江大学经济与工商管理学院教授,博士,主要从事人口与劳动经济研究。

关键词：老龄化,资产分配,给付策略,年金,退休

基金：国家社会科学基金“生育率下降与预期寿命延长双重约束下养老保险制度可持续性研究”(批准号:16BRK016);黑龙江大学杰出青年基金“生育率下降和预期寿命延长双重约束下城乡养老保险制度可持续性研究”(批准号:JC2017W4);黑龙江大学基础科研业务项目“城乡一体化进程中失业保险制度可持续性研究”(HDQRW201601)。

随着补充养老保险制度的建设,退休给付策略中生存年金和分阶段提款方案备受老年人青睐。为深入研究生存年金和四种分阶段提款方案的收益差别,在含有资本市场随机性和寿命不确定性的效用函数中研究不同退休给付方案收益,基于不同风险规避系数评价这些退休给付方案收益的差别。研究表明,考虑退休者预期余命的方案最受中低风险规避者喜爱,在此基础上,整合退休者预期余命的方案和年金化退休决策,结果表明,与退休时选择全部年金化相比,整合退休者预期余命的方案和年金化策略能提高中低风险规避退休者福利。"/>template{display:none;}.mag-rich-xref-fn { cursor: pointer;}//长视频$(document).ready(function(){if($("#showLongArticleVideo") && $("#showLongArticleVideo").length && $("#showLongArticleVideo").length>0){mag_ajax_update({ele_id:'showLongArticleVideo',url:mag_currentQikanUrl() + "/CN/article/showLongArticleVideo.do?id="+$("#articleId").val()});}});$(document).ready(function(){window.metaData = {"journal":{"issn":"1000-5072","qiKanMingCheng_CN":"暨南学报（哲学社会科学版）","id":2,"qiKanMingCheng_EN":"Jinan Journal"},"fundList_cn":["国家社会科学基金“生育率下降与预期寿命延长双重约束下养老保险制度可持续性研究”(批准号:16BRK016);黑龙江大学杰出青年基金“生育率下降和预期寿命延长双重约束下城乡养老保险制度可持续性研究”(批准号:JC2017W4);黑龙江大学基础科研业务项目“城乡一体化进程中失业保险制度可持续性研究”(HDQRW201601)。"],"article":{"keywordList_cn":["给付策略","老龄化","年金","退休","资产分配"],"juan":"41","zhaiyao_cn":"随着补充养老保险制度的建设,退休给付策略中生存年金和分阶段提款方案备受老年人青睐。为深入研究生存年金和四种分阶段提款方案的收益差别,在含有资本市场随机性和寿命不确定性的效用函数中研究不同退休给付方案收益,基于不同风险规避系数评价这些退休给付方案收益的差别。研究表明,考虑退休者预期余命的方案最受中低风险规避者喜爱,在此基础上,整合退休者预期余命的方案和年金化退休决策,结果表明,与退休时选择全部年金化相比,整合退休者预期余命的方案和年金化策略能提高中低风险规避退休者福利。","endNoteUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/article/getTxtFile.do?fileType=EndNote&id=6192","reference":"","bibtexUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=BibTeX&id=6192","abstractUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/Y2019/V41/I1/53","qi":"1","id":6192,"nian":2019,"bianHao":"2019-1-53","zuoZheEn_L":"WANG Yunduo","juanUrl_en":"https://jnxb.jnu.edu.cn/skb/EN/Y2019","shouCiFaBuRiQi":"2019-01-18","qiShiYe":"53","qiUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/Y2019/V41/I1","lanMu_cn":"经济·管理","pdfSize":"690","zuoZhe_CN":"王云多","risUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=Ris&id=6192","title_cn":"人口老龄化背景下退休资产分配及收益决策","jieShuYe":"63","keywordList_en":["aging","annuity","asset allocation","payout strategies","retirement"],"endNoteUrl_cn":"https://jnxb.jnu.edu.cn/skb/CN/article/getTxtFile.do?fileType=EndNote&id=6192","zhaiyao_en":"With the construction of the compensatory endowment insurance system, payout strategies that annuity and phased withdrawal plans are welcomed. 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来源：2019年第1期

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