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Abstract


COMPULSORY INDIVIDUAL PENSION SYSTEM IN TURKEY AND THE PROBLEM OF MORAL HAZARD

With the increase of globalization in the world, asymmetric information and ethical danger problems in the countries have also increased. It is a fact that Moral Hazard, which has been determined to have an effect on financial crises in the literature, has negative effects on applied micro saving policies and causes politics to fail. The aim of this study is to determine the role of the moral hazard in the Compulsory Individual Pension System which is one of the micro saving policies being implemented in Turkey. The study is important in terms of revealing the reasons for the losses experienced in the public institutions and organizatins where the obligatory private pension system is applied. In this study, we first talked about saving policies, then the problems of moral hazard and the mandatory individual pension system applied in Turkey. The universe of the work was identified as the public employees in Kırşehir. In the study, data were collected by applying questionnaire. 124 participants have been reached. As a result of the study, the unfavorable perception created by the word ‘obligatory’ and registration to the private pension system have been determined as the reasons of the moral hazard in the Compulsory Individual Pension System. The findings were evaluated and interpreted.



Keywords
Financial Crises, Saving Policies, Moral Hazard, Compulsory Individual Pension System.



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