2024-02-10-纽约联储-自营职业和劳动力市场风险_58页_1mb

报告摘要

Self-Employment and Labor Market Risks: This working paper examines labor market risks for the self-employed and the welfare implications of extending unemployment insurance (UI) to them. \

Key findings include: \

Higher Risk: The self-employed face greater earnings volatility and frequent transitions to unemployment compared to paid employees. \
Limited Self-Insurance: Many have insufficient wealth or access to liquidity to self-insure against labor market shocks. \
UI Impact: Extending UI increases self-to-unemployment transitions and shows heterogeneous welfare effects across skill groups. \
Redistribution: Different contribution schemes redistribute significantly, but no policy yields universal welfare gains. \

The analysis highlights the need for targeted social insurance policies addressing the unique risks faced by the self-employed.

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