彭:以希為鑑 年金改革不能拖 – 中時電子報
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彭:以希為鑑 年金改革不能拖
2015年09月25日 04:10
中國時報 黃琮淵/台北報導
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年金改革議題正熱,中央銀行總裁彭淮南昨日強調「台灣絕對不是第二個希臘」,但退休金成為希臘沉重負擔,要引以為鑑,年金改革刻不容緩,應調降高所得者替代率、保障低收入或弱勢族群生活。央行建議,退休金制度應採「公提(雇主提撥)+自提(受雇者提撥)」的可攜帳戶,並採取確定提撥制,退休時領取個人帳戶提撥總額及投資收益,避免衍生後續責任。這是彭淮南首度在理監事會上,對年金問題表態。彭淮南說,戰後嬰兒潮進入屆退高峰,未來的退休潮將造成退休基金壓力,加上台灣出生率低,所得替代率偏高造成提早退休,勞動參與率勢必下滑。
彭:以希為鑑 年金改革不能拖 - 中時電子報
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彭:以希為鑑 年金改革不能拖
2015年09月25日 04:10
中國時報 黃琮淵/台北報導
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年金改革議題正熱,中央銀行總裁彭淮南昨日強調「台灣絕對不是第二個希臘」,但退休金成為希臘沉重負擔,要引以為鑑,年金改革刻不容緩,應調降高所得者替代率、保障低收入或弱勢族群生活。央行建議,退休金制度應採「公提(雇主提撥)+自提(受雇者提撥)」的可攜帳戶,並採取確定提撥制,退休時領取個人帳戶提撥總額及投資收益,避免衍生後續責任。這是彭淮南首度在理監事會上,對年金問題表態。彭淮南說,戰後嬰兒潮進入屆退高峰,未來的退休潮將造成退休基金壓力,加上台灣出生率低,所得替代率偏高造成提早退休,勞動參與率勢必下滑。
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希臘紓困案後,有很多人擔心「台灣希臘化」,彭淮南認為這忽略雙方差異,台灣經濟以製造業為後盾,經常帳順差,反觀希臘依賴觀光收入,台灣經濟基本面較佳。根據央行統計,希臘嚴重高齡化,公務人員比重5.9%,加上退休金條件優渥,退休金支出占GDP的10%,反觀台灣公務人員比重為1.5%,退休撫卹支出僅占GDP的1.3%。彭淮南指出,台灣要以希臘為鑑,且台灣人口快速老化,過早退休(台灣公務人員退休年齡55.6歲,低於希臘61.9歲)及所得率偏高,這兩大問題必須正視。台灣公務人員法定所得替代率上限仍為75%至95%,央行報告指出,不只高於希臘已降至53.9%,也比台灣勞工的6成、OECD國家平均54%高,加上費率偏低,將使得勞動市場更加惡化。另一方面,國內退休基金現行費率遠低於長期收支平衡最適費率,致入不敷出,這情況在人口老化及少子化後,財務壓力會更沉重,彭淮南因而呼籲進行制度面調整。彭淮南說,台灣人民勤奮、韌性大、適應力強,是台灣經濟成長的重要原動力,但年金改革不能再拖,應該先從調升費率及調降所得替代率下手,但調整所得替代率時,也要保障低收入或弱勢族群的基本生活。(中國時報),