From information to informed decision: five empirical essays on saving and old-age provision
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Format: | Hochschulschrift/Dissertation Buch |
Sprache: | Englisch |
Veröffentlicht: |
2014
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Schlagwörter: | |
Links: | http://mediatum.ub.tum.de/node?id=1182905 https://nbn-resolving.org/urn:nbn:de:bvb:91-diss-20140310-1182905-0-7 http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=027199755&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
Umfang: | VI, 161 Bl. graph. Darst. |
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Datensatz im Suchindex
DE-BY-TUM_call_number | 0001 DM 31910 |
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DE-BY-TUM_media_number | TEMP3231229 |
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adam_text | TECHNISCHE
UNIVERSITAT MUNCHEN
LEHRSTUHL *ECONOMICS OF AGING
FROM INFORMATION TO INFORMED DECISION:
FIVE EMPIRICAL ESSAYS ON SAVING AND OLD-AGE PROVISION
- BETTINA MARGARETHE LAMIA -
VOLLSTANDIGER ABDRUCK DER VON DER FAKULTAT FUR WIRTSCHAFTSWISSENSCHAFTEN
DER
TECHNISCHEN UNIVERSITAT MUNCHEN ZUR ERLANGUNG DES AKADEMISCHEN GRADES
EINES
DOKTORS DER WIRTSCHAFTSWISSENSCHAFTEN
(DR. RER. POL.)
GENEHMIGTEN DISSERTATION.
VORSITZENDER:
UNIV.-PROF. DR. ROBERT FREIHERR VON WEIZSACKER
PRIIFER DER DISSERTATION:
1. UNIV.-PROF. AXEL BORSCH-SUPAN, PH.D.
2. UNIV.-PROF. DR. JOACHIM WINTER,
LUDWIG-MAXIMILIANS-UNIVERSITAT MUNCHEN
DIE DISSERTATION WURDE AM 04.12.2013 BEI DER TECHNISCHEN UNIVERSITAT
MUNCHEN
EINGEREICHT UND DURCH DIE FAKULTAT FUR WIRTSCHAFTSWISSENSCHAFTEN AM
15.02.2014
ANGENOMMEN.
HTTP://D-NB.INFO/1050830598
TABLE OF CONTENTS
TABLE OF CONTENTS
TABLE OF CONTENTS I
LIST OF FIGURES V
LIST OF TABLES VI
1. FROM INFORMATION TO INFORMED DECISION 1
1.1 GENERAL INTRODUCTION 1
1.2 THE LONG SHADOW OF COMMUNISM: ON EAST-WEST GERMAN DIFFERENCES IN
FINANCIAL LITERACY 5
1.3 FAMILY BACKGROUND AND THE DECISION TO PROVIDE FOR THE OLD AGE: A
SIBLINGS
APPROACH 6
1.4 ERWARTETER BEZUG VON GRUNDSICHERUNG IM ALTER: VERHALTENSUNTERSCHIEDE
UND FEHLEINSCHATZUNGEN 7
1.5 PLEASE SIGN HERE: ASKING FOR CONSENT WITHOUT INTERVIEWERS 8
1.6 IS IT ALL ABOUT ACCESS? PERCEIVED ACCESS TO OCCUPATIONAL PENSIONS IN
GERMANY 9
1.7 GENERAL CONCLUSIONS 10
2. THE LONG SHADOW OF COMMUNISM: ON EAST-WEST GERMAN DIFFERENCES IN
FINANCIAL LITERACY 12
2.1 INTRODUCTION 12
2.2 LITERATURE AND HYPOTHESES 15
2.2.1 FINANCIAL LITERACY AND FINANCIAL DECISION-MAKING 15
2.2.2 HYPOTHESES: FINANCIAL LITERACY AND THE INSTITUTIONAL BACKGROUND 17
2.3 DATA AND SAMPLE 23
2.3.1 THE SAVE STUDY 23
2.3.2 MEASURING FINANCIAL LITERACY 24
2.4 EMPIRICAL EVIDENCE 25
2.4.1 THE GERMAN EAST-WEST GAP IN FINANCIAL LITERACY 25
2.4.2 WHO CLOSED THE GAP? 26
2.4.3 COMPOSITION EFFECTS .30
2.4.4 FINANCIAL LITERACY IN EAST AND WEST GERMANY 31
2.4.5 DECOMPOSING THE FINANCIAL LITERACY GAP 35
I
TABLE OF CONTENTS
2.5 DISCUSSION 36
2.6 CONCLUSION 38
3. FAMILY BACKGROUND AND THE DECISION TO PROVIDE FOR THE OLD AGE: A
SIBLINGS
APPROACH 40
3.1 INTRODUCTION 40
3.2 RELATED LITERATURE AND HYPOTHESES 41
3.2.1 RIESTER PENSIONS: THE KEY FEATURES 41
3.2.2 HYPOTHESES: THE ROLE OF FAMILIES 43
3.3 IDENTIFICATION STRATEGY 45
3.3.1 DATA AND SAMPLE 45
3.3.2 MODEL SPECIFICATIONS 47
3.4 ESTIMATION RESULTS 52
3.4.1 THE INFLUENCE OF INDIVIDUAL AND FAMILY CHARACTERISTICS 52
3.4.2 SEQUENTIAL CORRELATIONS IN RIESTER OWNERSHIP BETWEEN SIBLINGS 57
3.5 CONCLUSION 58
4. ERWARTETER BEZUG VON GRUNDSICHERUNG IM ALTER: VERHALTENSUNTERSCHIEDE
UND FEHLEINSCHATZUNGEN 61
4.1 EINLEITUNG 61
4.2 GRUNDSICHERUNG IM ALTER UND ANREIZEFFEKTE BEDARFSGEPRUFTER
LEISTUNGEN 63
4.3 DATENGRUNDLAGE 66
4.4 ERWARTETER GRUNDSICHERUNGSBEZUG 67
4.5 GIBT ES VERHALTENSUNTERSCHIEDE JE NACH GRUNDSICHERUNGSERWARTUNG? 70
4.6 FEHLEINSCHATZUNGEN 74
4.7 MOGLICHE GRUNDE FUR FEHLEINSCHATZUNGEN 77
4.8 FAZIT UND SOZIALPOLITISCHE SCHLUSSFOLGERUNGEN 80
5. PLEASE SIGN HERE: ASKING FOR CONSENT WITHOUT INTERVIEWERS 83
5.1 INTRODUCTION 83
5.2 ASKING FOR CONSENT IN SAVE 84
5.2.1 THE SAVE SURVEY 84
5.2.2 ADMINISTRATIVE RECORDS 85
5.2.3 CONSENT REQUEST 85
II
TABLE OF CONTENTS
5.2.4 CONSENT RATE 86
5.3 THE DETERMINANTS OF CONSENT 87
5.3.1 CONCEPTUAL FRAMEWORK AND HYPOTHESES 87
5.3.2 MODEL SPECIFICATIONS 90
5.3.3 ESTIMATION RESULTS 93
5.4 CONCLUSION 99
6. IS IT ALL ABOUT ACCESS? PERCEIVED ACCESS TO OCCUPATIONAL PENSIONS IN
GERMANY 101
6.1 INTRODUCTION 101
6.2 INSTITUTIONAL FRAMEWORK AND HYPOTHESES 102
6.2.1 OCCUPATIONAL PENSIONS IN GERMANY 102
6.2.2 HYPOTHESES: THE DETERMINANTS OF PERCEIVED ACCESS 104
6.3 ESTIMATION STRATEGY 108
6.3.1 DATA AND SAMPLE 108
6.3.2 MODEL SPECIFICATIONS 110
6.4 ESTIMATION RESULTS 112
6.5 CAVEATS 116
6.6 CONCLUSION 117
A. APPEN DIX TO CHAPTER 2 120
A.L: VARIABLE DEFINITIONS 120
A.2: DESCRIPTIVE STATISTICS - WEST AND EAST GERMAN SAMPLE 121
A.3: MEASURES OF FINANCIAL LITERACY IN SAVE 2009 122
A.4: ANSWERING BEHAVIOUR FOR FINANCIAL LITERACY QUESTIONS (DETAILS) 124
A.5: DETERMINANTS OF FINANCIAL LITERACY - FULL RESULTS AFTER OLS
REGRESSIONS ....125
A.6: IV APPROACH 128
A.7: DECOMPOSITION OF.
THE FINANCIAL LITERACY GAP 132
B. APPENDIX TO CHAPTER 3 133
B.L: DEVELOPMENT OF RIESTER PENSIONS OVER TIME 133
B.2: UPTAKE OF RIESTER PENSIONS BY QUINTILES OF MONTHLY HOUSEHOLD INCOME
133
B.3: SUBSIDY AS PERCENTAGE OF TOTAL CONTRIBUTION 134
B.4: DESCRIPTIVE STATISTICS - SIBLINGS SAMPLE AND SOEP POPULATION 134
C. APPEN DIX TO CHAPTER 4 136
III
TABLE OF CONTENTS
C.L. WORTLAUT DER FRAGE ZU ERWARTETEM GRUNDSICHERUNGSBEZUG 136
D. APPENDIX TO CHAPTER 5 137
D.L: DESCRIPTIVE STATISTICS BY INTERVIEW MODE 137
D.2: RELEVANT QUESTIONNAIRE ITEM (ENGLISCH TRANSLATION) 139
D.3: BREAKDOWN OF HOUSEHOLDS BY CONSENT TO DATA LINKAGE 140
D.4: SUMMARY OF HYPOTHESES 141
E. APPENDIX TO CHAPTER 6 142
E.L: RELEVANT QUESTIONNAIRE ITEM 142
E.2: COMPARISONS OF LINKED SAVE TO BENCHMARKS .143
E.3: DESCRIPTIVE STATISTICS BY PERCEIVED ACCESS TO OCCUPATIONAL PENSIONS
145
E.4: DETERMINANTS OF PERCEIVED ACCESS TO OCCUPATIONAL PENSIONS (WITHOUT
FIRM
CHARACTERISTICS) - RESULTS AFTER OLS REGRESSION 147
E.5: SHARE OF EMPLOYEES WORKING IN FIRMS WHO HAVE SET UP AN OCCUPATIONAL
PENSION (BY 2011) 148
E.6: DESCRIPTIVE STATISTICS-CONSENTERS AND NON-CONSENTERS 148
REFERENCES 149
IV
|
any_adam_object | 1 |
author | Lamla, Bettina |
author_facet | Lamla, Bettina |
author_role | aut |
author_sort | Lamla, Bettina |
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dewey-hundreds | 300 - Social sciences |
dewey-ones | 330 - Economics |
dewey-raw | 330 |
dewey-search | 330 |
dewey-sort | 3330 |
dewey-tens | 330 - Economics |
discipline | Wirtschaftswissenschaften |
format | Thesis Book |
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spellingShingle | Lamla, Bettina From information to informed decision five empirical essays on saving and old-age provision |
subject_GND | (DE-588)4113937-9 |
title | From information to informed decision five empirical essays on saving and old-age provision |
title_auth | From information to informed decision five empirical essays on saving and old-age provision |
title_exact_search | From information to informed decision five empirical essays on saving and old-age provision |
title_full | From information to informed decision five empirical essays on saving and old-age provision Bettina Margarethe Lamla |
title_fullStr | From information to informed decision five empirical essays on saving and old-age provision Bettina Margarethe Lamla |
title_full_unstemmed | From information to informed decision five empirical essays on saving and old-age provision Bettina Margarethe Lamla |
title_short | From information to informed decision |
title_sort | from information to informed decision five empirical essays on saving and old age provision |
title_sub | five empirical essays on saving and old-age provision |
topic_facet | Hochschulschrift |
url | http://mediatum.ub.tum.de/node?id=1182905 https://nbn-resolving.org/urn:nbn:de:bvb:91-diss-20140310-1182905-0-7 http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=027199755&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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