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Repenser la réforme des retraites à l’aune de la diversité des régimes et des projets individuels

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  • François Facchini

    (CES - Centre d'économie de la Sorbonne - UP1 - Université Paris 1 Panthéon-Sorbonne - CNRS - Centre National de la Recherche Scientifique)

Abstract

In 2019, Jean-Paul Delevoye and the "Conseil d'Orientation des Retraites" (COR) are proposing a reform of the French pension system. This reform wants to create a universal scheme and a pension system by points. This article is a critique of this project. It argues that it does not solve the five major problems of the French pension system implemented in 1946. French system is a pay-as-you go system funded by employees' contributions and a balancing contribution paid by enterprises in the sector, calculated in proportion. A pay-as-you go system impose, firstly, a social cost on each renegotiation of retirement conditions. Second, it does not take into account the diversity of individual, family and economic situations of each citizen. Thirdly, it crowds out all alternative pension schemes. Fourthly, it perpetuates an inefficient pension financing model which, fifthly, is the cause of major inequalities in retirement between generations. A point system does not solve any of these problems. It is urgent in these conditions to give more freedom to each individual to find the pension scheme that best suits him or her. Market solutions in this new architecture could take their full place in the debate that is taking place today in France in a context of social and political insurrection.

Suggested Citation

  • François Facchini, 2019. "Repenser la réforme des retraites à l’aune de la diversité des régimes et des projets individuels," Université Paris1 Panthéon-Sorbonne (Post-Print and Working Papers) hal-03195335, HAL.
    • Handle: RePEc:hal:cesptp:hal-03195335
    Note: View the original document on HAL open archive server: https://hal.science/hal-03195335
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    Keywords

    capitalisation; système de retraite à point; France; retraite; répartition; crise;
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