NIRA NIRA Case Study Series No.2007-10-AB-9 2007 10 National Institute for Research Advancement Yebisu Garden Place Tower,4-20-3, Ebisu.Shibuya-ku,Tokyo 150-6034,Japan http://www.nira.go.jp/
NIRA NIRA NIRA ( http://www.nira.go.jp/)
1 1999 2009 1 2004 2005 2004 12 2005 10
1...3 2...3 1...3 2...5 3...6 1...6 2...6 3...8 4...10 5...10 4... 11 1... 11 2...12 5...13 1...13 2...15 3...17 4...19...23 :2005...23 : 58...29 : 35...30 : 2007 2...31...33
1 (2007 ) 2004 (2004) 2 2 1980 1998 1960 2 orange kuvertorange envelope
15 15 30 30 3 4 15 30 5 1999 18.5 6 18.5 16 2.5 7 8 3 30 4 5 15 30 6 61 7 8
9 1998 9 1937 1938 1953 1954
1998 1000 18 15 3 1998 20 90 1999 Sweden has got a new Pension System 10 11 10 von Zweigbergk(2005) 11
2000 2000 Your whole life counts 2000 2001 You can get your pension in three ways 2002 ( ) von Zweigbergk(2005). 2003
2003 2004 2005 This year your The Average Swede The carrot pedagogy Orange Envelope contains something extra valuable has got 663 391 SEK on his pension account ( ) von Zweigbergk(2005). 2005 12 61 65 70 12 2002 (2003)
2002 2004 2006 13 2003 14 2006 PPM 2002 2003 2006 2006 2006 13 inheritance gains 14 2003 (PPM)
22 23 46 47 15 1000 Min Pension My Pension 2004 12 30 10 21 65 550 400 15
4 2005 20 1999 30 30 20 10 von Zweigbergk(2005). 2003
von Zweigbergk(2005). Sundén(2003, pp.15-16)2003 74 56 (2006 39 )(1) (2)
Social Security Statement25 16 2005 ( ) (2004). 20 17 18 5 16 2040 17 55 / 18
( ) 19 10 19 1991 11 12 2006 11
( ) ( ) (2004 10 29 ). 11 ( ) 16 2002 12 2004 12 2003 58
2005 ( ). 35 2007 3 20 12 45 55 59 2008 4 2008 10 2009 4 20 35 35 35 25
2004 3 21 65 65 2007 3 35 58 21 (1) (2)
22 58 (1)(2)(3) (4)35 2007 2 58 50 50 60 58 35 45 58 58 22
2006 14 2005 14 ( ) 2006 11 9 2006 3 8 2007 2
2007 2 122004 2004 50
50 50 (1) (2) (3) 50 (2006a) (1) (2) (3) (1) (2) (3) 30 40 (2006b)35
2004 (2006a,2006b) 23 23 (2005)
12 123 45 www.minpension.se www.forsakringskassan.se www.forsakringskassan.se www.ppm.nu
12 123 45 () () = 2
826 86 650102-1243 12 123 45 PPM : (%) (kr) (kr) (kr) (kr) (%) 1123456 AMF 10 82,8295 165,48 13707 11 13913-206 -1 123456 20 45,9295 44,06 2024 15 3478-1809 -42 123456 30 1332,5305 5,77 7689 28 10435-2746 -26 123456 10 125,0403 16,02 2003 11 3478 - -1475-42 123456 AMF 30 45,9295 44,07 2024 40 3479-1809 -42 27447 (kr) (kr)(%) (kr) www.ppm.nu PPM 3
107 23 2004-12-12 12 123 45 : www.forsaklingskassan.se www.forsaklingskassan.se 4
5
5 12 123 45 () () = 2 12 123 45 www.minpension.se www.forsakringskassan.se www.forsakringskassan.se www.ppm.nu 1 : 6
Scherman,Karl Gustaf, 1999, The Swedish pension reform, Issues in Social Protection-Discussion Paper 7, ILO. Sundén, Anika, 2003, How much do people need to know about their pensions and what do they know?, Working Paper prepared for Conference on NDC Pensions. von Zweigbergk, Amelie, 2005, Pension campaign in Sweden. 2005 24 6 32 35. 2003 21. 2003 45 68. 2004 16 129 150. 1987 135 155. 1999 149 165. 2004 27.,K.G.2006 2366 38 39. 2005 : 156 179. 2006 a 50 17 1
15. 2006 b 30 40 17 17 33. 2006 25 1.
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