La Fausse promesse d'une retraite repoussée

Le Commissaire économique Pedro Solbes nous alerte sur la baisse de la population européenne qui va bientôt frapper de plein fouet l'économie du continent. Des réformes pour désamorcer la crise sont nécessaires. Alain Jousten discute ici une idée de réforme attirante mais improbable qui est souvent avancée.

Les systèmes de prestations sociales sont plus instables que jamais, et pas seulement en Europe, mais aussi en Amérique du Nord et du Sud, ainsi qu'en Asie. L'effondrement des taux de fertilité, accompagné de l'allongement de l'espérance de vie, mène à un vieillissement rapide et prononcé des populations. Pire encore, la menace démographique est accentuée par le système de financement des régimes de retraite choisi par la plupart des pays.

La plupart des régimes de retraite reposent sur une méthode de financement par répartition : plutôt que d'obliger les générations actuelles à financer leurs propres retraites, les retraites versées aujourd'hui sont financées par les contributions des générations actives.

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