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世界银行:2025了解老年人收入保障:积极老龄化世界中的社会保护与就业再思考研究报告(英文版)(22页).pdf

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1、Understanding Income Security for Older AdultsRethink Social Protection and Jobs in an Actively Aging World2What are the main contributors to income security at older ages?Income security is a common concern for older adults globally as their capacity to earn work income diminishes.The most importan

2、t income sources for older people are:(i)continued work;(ii)family support;(iii)income from assets accumulated during their lifetimes;and(iv)benefits received from government programs,financed either from general revenues or social contributions.However,the relative contribution and overall adequacy

3、 of these different sources varies greatly across levels of development,over time,between formal and informal sector workers within countries,between genders,and by other factors.Why should policy makers care?In emerging economies where societal aging is rapid,there are serious concerns that current

4、 and future older populations are poorly prepared to achieve income security throughout old age.These concerns are reinforced by smaller family sizes,changing living arrangements,and shifting social norms which risk undermining informal sources of support.In addition,financial literacy and inclusion

5、 often remain inadequate,resulting in low lifetime savings and poor planning for peoples older years.In this context,the role of the state in promoting financial security for older people will need to grow.Despite this growing need,public pension and safety net systems for older people typically hav

6、e low coverage and/or insufficient adequacy to provide decent protection for the majority of older people.There has also been modest progress in recent decades in expanding contributory pension coverage in most developing countries.At the same time,formal sector pension schemes often contribute to f

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根据报告的内容,全文主要探讨了老年人收入安全的问题,包括: 1. **收入来源**:老年人收入主要来自家庭支持、继续工作、资产收入和政府福利,但不同地区和国家的来源占比不同。 2. **养老金体系**:发展中国家养老金覆盖率低,存在覆盖不足、可持续性差等问题,而社会养老金和非正式部门养老金方案有所增长。 3. **世界银行的作用**:通过贷款、技术援助和政策建议支持养老金改革,包括扩大覆盖范围、提高可持续性和改善管理。 4. **未来挑战**:需要重新思考养老金设计、加强数据透明度、利用数字化、全面考虑收入安全,并深化金融产品创新。 核心数据: - 发展中国家约80%的老年人生活在其他家庭成员中。 - 非洲超过一半的65岁及以上男性仍在工作。 - 大多数发展中国家老年人收入来自工作,而非养老金。 - 世界银行支持了47个成员国中58个发展政策操作,以影响老年人的收入安全。
你的未来如何保障?" "老龄化社会,你的退休金够用吗?" "资产变收入,养老新思路!"
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