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?/????????????????????,?????????????? ?/?????????????????????????????? ?/????????????????,??????????2017???????????? ?/???????????????,????????????????? ??????????????????????????????,??????????????????????
????????????????????,???????????1889????????????,?????????(Pay as you go),???????,??????????,???????????????????????????????,???????????????,??????????????????,???????????????????????????????????????????,?????????????????????,??????????????????????????,???????????????????1981???,?????????????????????,???????????????(Pension privatization)??,????????????????????,????????????

?????????????????????????????????????2016?????????,?????????????????,??????????????,????????(??????)????,????????????,???????(??????),???????,??????????,??????????????????????

?????????,???????????????,??????????????,?????????????,???????????????????????,????????????????,????????????????,?????????????(???9%)?????????????,????????????????(???2012???,???200??),???????????????????????????????,?????????????,?????????????????(???????????????,???????????)????,?????????????????????????,??????????Defined Contribution (DC),???401(k)???

??,??????????????????????????,?????????centrelink ??????(age pension);??,????????????????(???37000??),??????????500?????????????????????????????????????,???????????????????????????????2008????????,????????????,???????????????????????????????????????????????????????



?????????????

??? ?? ??
?? ?????????????? ??????
?????? ?,???? (?????????????) ????????0
?????? ????????????????? ?????????????????
????? ?????????:
  • ???6~12% (????6%,??6%?????)
  • ???12%(?????????65%)
  • 9%,??2022????12%
    ?????? ?????????? ????????????
    ???? ???????? ?????????????????????????
    ???? ??2017?3~5????????? ??2020?????????,???????3?


    ???????,?????????,???????????????????(?????????),??????????????,????????????,?????????????(Defined contribution plan;DC),?????????????,??????????????????????????????????????????????,????????????????????,?????????????,??????????????????????,???????????(Defined benefit plan;DB)?

    ??????????DC??DB????????,??????????????,??????????????,?????????,??????????????,??????????????????????????,??DB???,???????????????DC???,??????????????????????????DC??DB???????????????,??????????,??????????,??????????????????

    ??: ?????????

    ??????????????????????,??????,?????????????,????????????????????????????,???????????,??????(The Association of Superannuation Funds of Australia, ASFA),??????????????,???????????????????????????,?????????????????????????????,???????????????????,?????????Bootstrapping, Monte Carlo?,???????,????????????????????????????,?????????

    ??????????????????,??????????,???????,?????????(????????????????)???????????,???????,????????????????????

    ?:
    1. ????? 2017.05.07
    2. ?????????The Epic Times
    Zhang, L. -C. (2016, November 28). Comparing pension systems in Australia and Taiwan (Part 2), The Epic Times, p. B4. [In Chinese: ??? (2016)??????????????(?)] [Web version] [News paper version]
    Zhang, L. -C. (2016, October 28). Comparing pension systems in Australia and Taiwan (Part 1), The Epic Times, p. B4. [In Chinese: ??? (2016)??????????????(?)] [Web version] [News paper version]

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