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Oszczędności emerytalne z perspektywy behawioralnej
Retirement Savings From the Behavioural Perspective
Ekonomia i Prawo, 2009, t. 5, s. 175-192, wykr., biblior. 21 poz.
Issue title
Zawodności rynku, zawodności państwa, etyka zawodowa. Cz. 1
Oszczędności, Ekonomia behawioralna, Oszczędności emerytalne
Savings, Behavioral economics, Retirement savings
streszcz., summ.
Przedstawione poniżej teorie powstały na gruncie psychologii ekonomicznej. Ich metodologiczny status jest odmienny od dedukcyjnych i normatywnych teorii tradycyjnie pojmowanej ekonomii. Teorie ekonomiczne są konstrukcjami dedukcyjnymi, pozbawionymi instytucjonalnego kontekstu, wyprowadzonymi z pierwszych zasad - zbioru aksjomatów przyjmowanych bez dowodu. Modele generują testowalne hipotezy, będące jednocześnie testem założeń, na których zostały oparte. Modele dedukcyjne mają normatywny charakter - pokazują, jak racjonalne podmioty powinny się zachowywać. Testowanie hipotez służy sprawdzeniu stopnia spełnienia założeń w realnym świecie.(fragment tekstu)

The aim of this article is to point at main implications stemming from behavioural economics for retirement savings. The author presents main models of choice relevant to the intertemporal choice developed by economical psychologists (prospect theory, hyperbolic discount function, system of mental accounts). These models provide a basis for a comparison of behavioural models of choice with fundamental assumptions of the rational representative agent, essential for consumption smoothing models. There is room for doubt whether real individuals are rational, patient and able enough to maintain self-control in order to fulfil the requirements of consumption smoothing models. This comparison allows the author to derive some strict implications for the governmental policy directed to increase retirement savings such as social pensions or facultative retirement savings programs which can be perceived as self-commitment devices helpful as devices for maintaining people s self-control.(original abstract)
The Library of Warsaw School of Economics
The Library of University of Economics in Katowice
The Main Library of Poznań University of Economics and Business
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