Современные направления реформирования пенсионных систем

Abstract

With all the variety of existing pension models in the world, most of them belong to the group of solidarity system and involve a significant amount of redistribution of resources. Accumulative systems mainly complement, rather than replace distributive pension systems, especially when forming so-called multi-level models. The article analyzes some controversial issues of modern parametric pension reforms, the ratio of insurance and non-insurance elements of systems, the impact of the introduction of individual conditional saving accounts, rules for the use of pension loans, mechanisms for blocking early retirement. Particular attention is paid to the analysis of including workers with non-standard forms of employment in the pension insurance system and it is concluded that by enabling certain categories of non-standard workers to independently sole issues of their material security in old age, it is necessary to take into account the financial cost of this policy for the state.