有哪些信誉好的足球投注网站- 1、本文档共47页，可阅读全部内容。
- 2、有哪些信誉好的足球投注网站（book118）网站文档一经付费（服务费），不意味着购买了该文档的版权，仅供个人/单位学习、研究之用，不得用于商业用途，未经授权，严禁复制、发行、汇编、翻译或者网络传播等，侵权必究。
- 3、本站所有内容均由合作方或网友上传，本站不对文档的完整性、权威性及其观点立场正确性做任何保证或承诺！文档内容仅供研究参考，付费前请自行鉴别。如您付费，意味着您自己接受本站规则且自行承担风险，本站不退款、不进行额外附加服务；查看《如何避免下载的几个坑》。如果您已付费下载过本站文档，您可以点击 这里二次下载。
- 4、如文档侵犯商业秘密、侵犯著作权、侵犯人身权等，请点击“版权申诉”（推荐），也可以打举报电话：400-050-0827(电话支持时间：9:00-18:30)。
查看更多
公共政策经济分析Chap09 Social Insurance I Social Security and Unemployment Insurance
Chapter 9 – Social Insurance I: Social Security and Unemployment Insurance Social Insurance Programs Generally share 4 characteristics: Participation is mandatory Eligibility and benefits depend on prior contributions Benefits begin with an identifiable occurrence Programs are not means-tested Why have Social Insurance? Recall that the First Welfare Theorem concluded that private markets generally work well. One critical difference in insurance markets is asymmetric information – one party has information that is not available to the other party. Why have Social Insurance? If a private firm offers insurance and cannot observe the high risks from the low risks, likely to get a group of buyers that is adverse to its interests. Adverse selection – Individual who knows he is especially likely to collect benefits will have an especially high demand for insurance. Why have Social Insurance? In a perfectly competitive insurance market, expected profits will be driven down to $0. Adverse selection could lead to insurance plans losing money, and raising the premiums only exacerbates the adverse selection problem. Why have Social Insurance? How can government intervention improve efficiency? Social insurance programs are compulsory: the adverse selection problem is avoided because the low risks are forced to purchase the insurance policy as well. In the private market, the low risks would be less likely than the high risks to purchase the insurance policy. Why have Social Insurance? Other justifications Lack of Foresight / Paternalism For example, some individuals do a poor job of planning for their retirement. Moral Hazard “Gaming the system” Economize on Decision-making costs Income distribution Structure of Social Security Many details of Social Security laid out in the following slides. One motivation for presenting these details is that virtually all college students are affect by Social Security, thus, it is important to understand the details. Structure of Social S
文档评论（0）