# name
Aplicación de la economía del comportamiento para el desarrollo de un sistema de pensiones

# metadata.dc.description[].value
Treballs Finals del Grau d'Economia, Facultat d'Economia i Empresa, Universitat de Barcelona, Curs: 2019-2020 , Tutor: Alfonso Herranz Loncán

# metadata.dc.description.abstract[].value
[spa] La economía del comportamiento estudia los efectos de la conducta humana en la toma de
decisiones de los individuos. A partir de sus hallazgos, ofrece herramientas para corregir los
sesgos cognitivos a los que se enfrentan los agentes, y que impiden un comportamiento racional.
De este modo, es posible elaborar políticas públicas, basadas en estos conocimientos,
orientadas, por ejemplo, a fomentar la creación de planes de pensión privados que corrijan el
problema de sostenibilidad al que se enfrenta el sistema actual. La propuesta principal de este
trabajo consiste en la implantación de un sistema de inscripción automática que destine una
proporción del salario del trabajador a fondos de pensión privados.

# metadata.dc.description.abstract[].value
[eng] Behavioral economics studies the effects of human behavior on the decision making of
individuals. Its findings are mainly based on the bounds of rationality of economic agents. For
these reasons, their decisions differ from the usual predictions of economic theory. In this way,
behavioral economics offers a series of tools to correct the cognitive biases that agents face
when they make economic decisions.
The current pension system in Spain present a series of problems that question its sustainability.
Public pension spending has gradually increased in recent years. Furthermore, it is expected
that it will continue to increase as a result of population aging. A possible solution to this
problem would be to complement the system with private capitalization plans, but the creation
of such plans is not a common practice in Spain.
Thanks to the insights of behavioral economics, it is possible to develop public policies aimed
at promoting the creation of private pension plans. If the public administration carries out these
actions, it might be possible to correct the sustainability problem of the current pension system
in Spain.
The main proposal of this essay is to implement an automatic enrollment system. This idea
consists of assigning a proportion of the worker’s salary to a private pension fund. In order not
to affect the purchasing power of the worker, it would start with a small proportion of wages
that would be gradually increased in the future.

# metadata.dc.source[].value
Treballs Finals de Grau (TFG) - Economia

# metadata.dc.title[].value
Aplicación de la economía del comportamiento para el desarrollo de un sistema de pensiones