Pension Literacy and Consumers' Decisions in the Context of Pension System Reforms

• Autorzy: Iwona Olejnik , Sylwester Białowąs
• Języki publikacji: EN

Abstrakty

EN

The research problem of this article is the evaluation of the correlation between the level of knowledge about pensions and the perception of the changes introduced by the government in the pension system, as well as the correlation between the knowledge and decisions made by consumers in connection with these changes. The study uses a triangulation of research methods. The used primary data were obtained from our qualitative and representative quantitative studies. The research was a part of National Science Centre's research project (no. UMO-2012/05/B/HS4/04183).
The level of knowledge, both objective and subjective about the pension system is low. The research positively verifies the hypothesis of the relationship between knowledge on the evaluation of the changes in the pension system and the decisions concerning additional saving. It must be highlighted that evaluations and decisions are associated with the self-assessment of one's knowledge much more than by the actual level of one's knowledge. The considerable challenge for the government and the institutions linked to the pension system is to build financial pension awareness and encourage saving. (original abstract)

Problemem badawczym w artykule jest ocena zależności pomiędzy poziomem wiedzy emerytalnej a postrzeganiem zmian przeprowadzanych przez rząd w zakresie systemu emerytalnego oraz związanymi z tym decyzjami konsumentów. W opracowaniu zastosowano procedurę triangulacji metod badawczych. Wykorzystane dane pierwotne pochodzą z jakościowych oraz reprezentatywnych badań ilościowych, będących częścią projektu badawczego realizowanego ze środków NCN (nr UMO-2012/05/B/HS4/04183).
Poziom wiedzy o systemie emerytalnym - zarówno obiektywnej, jak i subiektywnej - jest niewielki. Przeprowadzone badania pozytywnie weryfikują hipotezę o zależności między wiedzą a oceną zmian w zakresie systemu emerytalnego oraz podejmowanymi decyzjami dotyczącymi dodatkowego oszczędzania. W zdecydowanie większym stopniu oceny i decyzje związane są z samooceną własnej wiedzy niż rzeczywistym jej poziomem. Istotnym wyzwaniem dla rządu i instytucji związanych z systemem emerytalnym jest budowanie finansowej świadomości emerytalnej i zachęcanie do oszczędzania. (abstrakt oryginalny)

Słowa kluczowe

EN

Consumer behaviour; Pension schemes; Savings motivation

PL

Zachowania konsumenta; System emerytalny; Motywacja oszczędzania

• Czasopismo: Problemy Polityki Społecznej
• Rocznik: 2015
• Tom: 29
• Strony: 13--33

Twórcy

autor

Iwona Olejnik

• Poznan University of Economics

autor

Sylwester Białowąs

• Poznan University of Economics

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