The alternative solution of labor pension gap in Taiwan

• Main Authors: Hsi-Tien Huang, 黃西田
• Other Authors: Cheu-Yu Miao
• Format: Others
• Language: zh-TW
• Published: 2013
• Online Access: http://ndltd.ncl.edu.tw/handle/37636253375561834470

碩士 === 淡江大學 === 保險學系保險經營碩士在職專班 === 101 === As the baby boomer population is getting older, the world pay more attention on age economic security of aging population. With the lowest fertility rate, Taiwan''s population structure is estimated to take 32 years from an aging society to a super-aged society. This fact has great negative impact on economic security of aging population in Taiwan. Since the 2008 financial crisis, the business cycle of global economy has been recovered slowly. Because of the slow economic recovery, low interest rates, low return on investment, high unemployment and high inflation, it is difficult that the employee with fixed salary only use their investment plan to provide the economic security for their retirement living expenditure. The financial gap of pension fund increase because of more medical care expenses, increase of life expectation and unbalance of labor public pension system. In this thesis, we investigate how to reduce the labor pension gap in Taiwan. This study provides three possible solutions for solving or mitigating this question including: "deferred retirement" , "retirement re-employment" and "spare time start their own business". This essay make the conclusions as follow. Firstly, to encourage continued employment and provide more retirement options for elderly population in Taiwan; Secondly, to exclude the elderly continued employment and re-employment barriers; Thirdly, actively to promote the "partial-employment" and "phased- retirement" forelderly in Taiwan. This thesis arranges four types of re-employment or start their own business model, including the "professional and technical" , "innovative and creative", "consultants and teaching-oriented" and "broker and sales"; Fourth, to provide the liquidity for transferring job market and re-employment plan for elderly; Finally, the government may create tax incentives or subsidies for the enterprise tuition to improve the skill, vocational training and opportunities for returning school learn of their employee.