Individual participation in occupational pension plans in Germany: essays on determinants of supply, demand and financial intermediation
Gespeichert in:
| 1. Verfasser: | |
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| Format: | Abschlussarbeit Buch |
| Sprache: | English |
| Veröffentlicht: |
2010
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| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
| Beschreibung: | IX, 235 S. graph. Darst. |
Internformat
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Datensatz im Suchindex
| _version_ | 1804145568679723009 |
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| adam_text | Titel: Individual participation in occupational pension plans in Germany
Autor: Johansen, Kathrin
Jahr: 2010
5
Table of Contents
Table of Contents l
List of Figures ^V
List of Tables VI
List of Abbreviations VIII
1. Introduction 1
1.1 Motivation 1
1.2 Structure of the analysis 2
1.3 Data used 3
2. Institutional aspects of old age provision-description and international comparison 5
2.1 Aspects of demographic change
2.1.1 Fertility 5
2.1.2 Mortality and life-expectancy 6
2.1.3 Migration 8
2.1.4 Shrinking 9
2.1.5 Changes in age composition 9
2.2 The German pension system 11
2.2.1 First pillar - mandatory (public) pensions 11
2.2.2 Second pillar - occupational pensions 18
2.2.3 Third pillar - private pensions 27
2.3 Risks and pensions 31
2.3.1 Biometric risks 31
2.3.2 Capital investment risks 32
2.3.3 Administration risks 33
2.3.4 Political risks 33
2.3.5 Operational risks 33
2.4 International comparison of occupational pension systems 34
2.5 Effects of the financial crisis on the three pillar pension system 38
2.5.1 Development of the crisis 39
2.5.2 Effects on pension systems - cross-country comparison 40
2.6 The role of occupational pensions in SMEs 49
2.6.1 Description of SMEs 49
2.6.2 Pension coverage in SMEs - cross-country comparison 51
2.7 Summary 53
3. What determines supply and demand for occupational pensions in Germany? PEF 131
3.1 Introduction PEF 131
3.2 Overview of previous research PEF 133
3.2.1 Stylized facts PEF 133
3.2.2 Theoretical background and hypotheses PEF 134
3.3 Empirical analysis PEF 139
3.3.1 Data PEF 139
3.3.2 Estimation method PEF 142
3.3.3 Results PEF 145
3.4 Conclusions PEF 152
4. Retirement saving and attitude towards financial intermediaries 54
4.1 Introduction 54
4.2 Theoretical background 57
4.2.1 Theoretical explanations of saving 58
4.2.2 Behavioral Finance 75
4.2.3 Financial intermediation 85
4.2.4 Individual constraints 90
4.2.5 Summary 91
4.3 Empirical Analysis 92
4.3.1 Dataset and Methodology 92
4.3.2 Results on consultancy by financial intermediaries 105
4.3.3 Results on old-age consulting activities by type of intermediary
concerning old age provision 111
4.3.4 Summary of results 117
4.3.5 Is advice by financial intermediaries being followed 118
4.3.6 Differences in demand due to financial exclusion 120
4.4 Conclusions 122
5. Information sharing and employee participation in German occupational pension plans 124
5.1 Introduction 124
5.2 Theoretical background 12 7
5.2.1 Transaction cost theory 127
5.2.2 Theory of search 128
5.2.3 Information sharing 132
5.2.4 Networks as instruments for efficient resource allocation 135
5.2.5 Summary 146
5.3 Empirical analysis 148
5.3.1 Dataset and variables 149
5.3.2 Descriptive 152
5.3.3 Estimation approach 171
5.3.4 Results 174
5.3.5 Summary of results 186
5.4 Conclusions 187
6. Conclusions 188
Appendix 193
References 204
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| title | Individual participation in occupational pension plans in Germany essays on determinants of supply, demand and financial intermediation |
| title_auth | Individual participation in occupational pension plans in Germany essays on determinants of supply, demand and financial intermediation |
| title_exact_search | Individual participation in occupational pension plans in Germany essays on determinants of supply, demand and financial intermediation |
| title_full | Individual participation in occupational pension plans in Germany essays on determinants of supply, demand and financial intermediation vorgelegt von Kathrin Johansen, geb. Dummann |
| title_fullStr | Individual participation in occupational pension plans in Germany essays on determinants of supply, demand and financial intermediation vorgelegt von Kathrin Johansen, geb. Dummann |
| title_full_unstemmed | Individual participation in occupational pension plans in Germany essays on determinants of supply, demand and financial intermediation vorgelegt von Kathrin Johansen, geb. Dummann |
| title_short | Individual participation in occupational pension plans in Germany |
| title_sort | individual participation in occupational pension plans in germany essays on determinants of supply demand and financial intermediation |
| title_sub | essays on determinants of supply, demand and financial intermediation |
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