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[{"key": "dc.contributor.advisor", "value": "Ilmakunnas, Seija", "language": null, "element": "contributor", "qualifier": "advisor", "schema": "dc"}, {"key": "dc.contributor.author", "value": "Aarnikko, Oliver", "language": null, "element": "contributor", "qualifier": "author", "schema": "dc"}, {"key": "dc.date.accessioned", "value": "2024-11-26T08:04:24Z", "language": null, "element": "date", "qualifier": "accessioned", "schema": "dc"}, {"key": "dc.date.available", "value": "2024-11-26T08:04:24Z", "language": null, "element": "date", "qualifier": "available", "schema": "dc"}, {"key": "dc.date.issued", "value": "2024", "language": null, "element": "date", "qualifier": "issued", "schema": "dc"}, {"key": "dc.identifier.uri", "value": "https://jyx.jyu.fi/handle/123456789/98623", "language": null, "element": "identifier", "qualifier": "uri", "schema": "dc"}, {"key": "dc.description.abstract", "value": "Tutkielmassa tarkastellaan menetelmi\u00e4, joilla Suomen el\u00e4kej\u00e4rjestelm\u00e4\u00e4n voitaisiin tuoda maksuperusteisuutta. Maksuperusteisuuden lis\u00e4\u00e4minen Suomen el\u00e4kej\u00e4rjestelm\u00e4ss\u00e4 on perusteltua riskien jaon n\u00e4k\u00f6kannalta. Koska Suomen el\u00e4kej\u00e4rjestelm\u00e4\u00e4n osallistuminen on pakollista, niin el\u00e4kej\u00e4rjestelm\u00e4 jakaa luontaisesti riski\u00e4. \n\nMaksuperusteisuuden lis\u00e4\u00e4mist\u00e4 ja riskien jakoa tutkitaan kirjallisuuskatsauksen ja kahden periodin mallin avulla. Mallinnuksessa tutkitaan, miten maksuperusteisuuden lis\u00e4\u00e4minen vaikuttaa el\u00e4kej\u00e4rjestelm\u00e4n rahoitukselliseen kest\u00e4vyyteen, ty\u00f6ntekij\u00e4n tuloihin sek\u00e4 el\u00e4ke-etuuksiin. Kirjallisuuskatsauksessa tarkastellaan riskien jaon kannalta el\u00e4kej\u00e4rjestelm\u00e4n rakenteita, automaattisia sopeutumismekanismeja sek\u00e4 muiden maiden el\u00e4kej\u00e4rjestelmi\u00e4. Lis\u00e4ksi tarkastellaan Suomen el\u00e4kej\u00e4rjestelm\u00e4n p\u00e4\u00e4piirteit\u00e4.\n\nNykyisess\u00e4 el\u00e4kej\u00e4rjestelm\u00e4ss\u00e4 vain el\u00e4kemaksu mukautuu j\u00e4rjestelm\u00e4n rahoituspohjassa tapahtuviin muutoksiin. Pelk\u00e4st\u00e4\u00e4n el\u00e4kemaksun mukautuminen ei kuitenkaan ole kest\u00e4v\u00e4\u00e4 riskien jaon, sukupolvien v\u00e4lisen tulon-jaon sek\u00e4 el\u00e4kej\u00e4rjestelm\u00e4n rahoituksen kannalta. T\u00e4ss\u00e4 tutkimuksessa k\u00e4ytet\u00e4\u00e4n osaksi Rantalan ja Vanteen (2023) pohjaa mallinnuksessa ja johdetaan sit\u00e4 pidemm\u00e4lle maksuperusteisuuden tuomiseksi Suomen el\u00e4kej\u00e4rjestelm\u00e4\u00e4n. \n\nMenetelm\u00e4llisesti tutkimuskysymyst\u00e4 l\u00e4hestyt\u00e4\u00e4n kahden periodin mallin avulla, joka koostuu el\u00e4kel\u00e4isist\u00e4 ja ty\u00f6llisist\u00e4. Kahden periodin malliin tuodaan osaksi maksuperusteisuutta ja tutkitaan, miten el\u00e4ke-etuudet voisivat joustaa sek\u00e4 mitk\u00e4 sen vaikutukset olisivat el\u00e4kej\u00e4rjestelm\u00e4n rahoitukselliselle kest\u00e4vyydelle. El\u00e4ke-etuudet asetetaan joustamaan niin, ett\u00e4 el\u00e4kkeet joustavat samassa suhteessa kuin ty\u00f6ntekij\u00f6iden tulot ja niin ett\u00e4 el\u00e4kkeet joustavat puolet siit\u00e4 mit\u00e4 ty\u00f6ntekij\u00f6iden tulot joustavat.", "language": "fi", "element": "description", "qualifier": "abstract", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Submitted by jyx lomake-julkaisija (jyx-julkaisija.group@korppi.jyu.fi) on 2024-11-26T08:04:24Z\nNo. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.description.provenance", "value": "Made available in DSpace on 2024-11-26T08:04:24Z (GMT). No. of bitstreams: 0", "language": "en", "element": "description", "qualifier": "provenance", "schema": "dc"}, {"key": "dc.format.extent", "value": "43", "language": null, "element": "format", "qualifier": "extent", "schema": "dc"}, {"key": "dc.format.mimetype", "value": "application/pdf", "language": null, "element": "format", "qualifier": "mimetype", "schema": "dc"}, {"key": "dc.language.iso", "value": "fin", "language": null, "element": "language", "qualifier": "iso", "schema": "dc"}, {"key": "dc.rights", "value": "CC BY 4.0", "language": "en", "element": "rights", "qualifier": null, "schema": "dc"}, {"key": "dc.title", "value": "Ty\u00f6el\u00e4kemaksun vakauttaminen: El\u00e4kej\u00e4rjestelm\u00e4n maksuperusteisuuden lis\u00e4\u00e4minen", "language": null, "element": "title", "qualifier": null, "schema": "dc"}, {"key": "dc.type", "value": "master thesis", "language": null, "element": "type", "qualifier": null, "schema": "dc"}, {"key": "dc.identifier.urn", "value": "URN:NBN:fi:jyu-202411267448", "language": null, "element": "identifier", "qualifier": "urn", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4n yliopiston kauppakorkeakoulu", "language": "fi", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.faculty", "value": "Jyv\u00e4skyl\u00e4 University School of Business and Economics", "language": "en", "element": "contributor", "qualifier": "faculty", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "University of Jyv\u00e4skyl\u00e4", "language": "en", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.contributor.organization", "value": "Jyv\u00e4skyl\u00e4n yliopisto", "language": "fi", "element": "contributor", "qualifier": "organization", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Taloustieteen maisteriohjelma", "language": "fi", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.subject.discipline", "value": "Master's Degree Programme in Economics", "language": "en", "element": "subject", "qualifier": "discipline", "schema": "dc"}, {"key": "dc.type.coar", "value": "http://purl.org/coar/resource_type/c_bdcc", "language": null, "element": "type", "qualifier": "coar", "schema": "dc"}, {"key": "dc.rights.copyright", "value": "\u00a9 The Author(s)", "language": null, "element": "rights", "qualifier": "copyright", "schema": "dc"}, {"key": "dc.rights.accesslevel", "value": "openAccess", "language": null, "element": "rights", "qualifier": "accesslevel", "schema": "dc"}, {"key": "dc.type.publication", "value": "masterThesis", "language": null, "element": "type", "qualifier": "publication", "schema": "dc"}, {"key": "dc.format.content", "value": "fulltext", "language": null, "element": "format", "qualifier": "content", "schema": "dc"}, {"key": "dc.rights.url", "value": "https://creativecommons.org/licenses/by/4.0/", "language": null, "element": "rights", "qualifier": "url", "schema": "dc"}]
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