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系統識別號 U0026-0109201415021700
論文名稱(中文) 高齡化社會之健康保險及年金改革研究
論文名稱(英文) Medical Health Insurance and Pension Reform in Aging Society
校院名稱 成功大學
系所名稱(中) 經濟學系
系所名稱(英) Department of Economics
學年度 102
學期 2
出版年 103
研究生(中文) 張乃文
研究生(英文) Nai-Wen Chang
學號 U56011081
學位類別 碩士
語文別 英文
論文頁數 54頁
口試委員 指導教授-許永河
口試委員-胡政成
口試委員-李世榮
口試委員-李慶男
中文關鍵字 疊代模型  高齡化  年金改革  全民健康保險 
英文關鍵字 Overlapping Generation Model  Population Aging  Pension Reform  National Health Insurance 
學科別分類
中文摘要 本文建構多期之疊代模型,分析封閉經濟體下台灣社會高齡化之經濟衝擊,並探討高齡化社會之年金及健保制度改革之經濟效果。本文研究結果顯示,高齡化現象造成工作年齡人口減少,其不僅對民間儲蓄產生負向影響,同時也導致政府財政收支難以維持平衡。為使高齡化社會政府財政收支日臻健全,並維持全民健康保險制度之永續發展,本文探討數種年金及全民健康保險制度之改革方案。研究結果顯示,單獨年金改革之方案如延長退休年齡可以改善年金給付之壓力,提高全民健保民間提撥之成數或自負額等亦可改善健保之財務支出,但結合延長退休年齡以及提升全民健康保險自付額的聯合改革政策,對於改善高齡化社會的社會福利系統之財政穩定有顯著效果。
英文摘要 This paper analyzes the effects of social security reform in a closed economy, multi-period overlapping generation (OLG) model with long-term demographic transition in Taiwan. The simulation results indicate that population aging generates downward pressure on private saving and results in heavy burden on government fiscal stance in the long run. In order to improve the long-term fiscal deficiency and encourage private saving to cope with the challenge arising from population aging, this paper proposes reformation of current social security system, including universal national health insurance program and pension system in order to maintain sustainability of national health system and government budgetary balance. The simulation results indicate that a joint reform of postponing mandatory retirement age and raising copayment in the universal national health insurance would significantly improve financial sustainability of the social security system.
論文目次 Content

Chapter 1. Introduction 1
Chapter 2. Literature Reviews 10
2.1 Population aging and Pension System 10
2.2 Population aging and NHI 12
Chapter 3. The Model 16
3.1 Demographics 18
3.2 Household 18
3.3 Firm 22
3.4 Government 23
3.5 The equilibrium condition 25
Chapter 4. Model Calibration and Simulations 27
4.1 Data and Parameterization 27
4.2 Simulation Analysis 30
Chapter 5. Conclusion 46
Reference 49

List of tables
Table 4-1: Parameter values setting………………………………………………28

List of Figures
Figure 1 1: Elderly Dependency Ratio: 1950-2060 3
Figure 1 2: Per Capita Medical Expenditure by Ages in 2012 4
Figure 1 3: Total Expenditure on Health as % of Gross Domestic Product. 5
Figure 1 4: Economic circular flow diagram 8
Figure 3 1: Diagram of overlapping generation model 17
Figure 4 1: Labor Efficiency Profile 30
Figure 4 2: Per Capita Medical Expenditure Profile 30
Figure 4 3: Working, Retired, and Total Population in the Transition Periods 31
Figure 4 4: Scenarios of Baseline Simulation 39
Figure 4 5: Experiment of Postponing Retirement Age from 65
to 67 40
Figure 4 6: Change Private-Public Pension Contribution
Share from (60%, 40%) to (80%, 20%) 41
Figure 4 7: Experiment of Postpone Retirement Age (65 to 67)
and Changing Private-Public Pension
Contribution Share from (60%, 40%) to (80%, 20%) 42
Figure 4 8: Increasing copayment rate to 0.4 43
Figure 4 9: Effect of contribution ratio change in NHI from
(30%, 60%, 10%) to (40%, 40%, 20%) 44
Figure 4 10: Postpone retirement age and raise in NHI
copayment rate 45

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