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International Perspectives on Social Security Reform

机译：社会保障改革的国际观点

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The goal of social security programs is to ensure that people will not experience a marked drop in their standard of living when they retire and that no person will find himself destitute in his old age. That these objectives may or may not be met in the absence of government intervention will likely always remain controversial-at least in the academic and policy circles. Uncertainty and asymmetric information surrounding one's longevity provide ample reasons for failure in insurance markets, including social insurance. However, one should not underestimate the role that paternalism plays in overemphasizing such market failures either. Regardless of the side one may take in this debate, all commentators appear to agree that the goal of providing the retirees with some measure of economic security in their old age cannot be met if the country's retirement system is not economically viable and stable in the long run.
机译：社会保障计划的目标是确保人们退休后不会生活水平显着下降，并且没有人会发现自己在年老时变得贫穷。在没有政府干预的情况下这些目标可能实现或可能不会实现，至少在学术界和政策界都将一直存在争议。围绕人的寿命的不确定性和不对称信息提供了包括社会保险在内的保险市场失败的充分原因。但是，也不应低估家长式管理在过分强调此类市场失灵中的作用。不管这场辩论的一方如何，所有评论员似乎都同意，如果该国的退休制度长期以来在经济上不可行且不稳定，那么就无法实现为退休人员提供一定程度的老年经济保障的目标。跑。

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