Translated material
Mutual passivity
In the economy
Mutual passivity
March 27, 2007. Maxim Blan
The government does not succeed in pension reform. And the point is not so much the negligence of individual officials or their disinterest in its conduct. True, there was a period of some cooling, which resulted in the deprivation of middle -aged workers. Then it seemed that the authorities were already regretting their venture to accustom at least a new generation to save on old age. And more recently, Mikhail Zurabov spoke, who once almost failed the newsletter of “letters of happiness”, but, despite this, clearly considers himself a “father” of pension reform. He was “offended” by unconscious citizens and offered the money of those who have not yet chosen a management company (UK) or a non -state pension fund (NPF), to put on current payments to pensioners, thus solving the problem of the deficit of the Russian Pension Fund.
Fortunately, this honored employee of the Social Front has long been using any influence for a long time, and his words mean little. The president in the budget message made it clear that the funded system should not be canceled in the foreseeable future, on the contrary, it must be strengthened and developed in every possible way.
However, the problem with the “silents” - those who have not chosen the private Criminal Code or NPF - have not gone anywhere. Their cumulative accounts are taken into account in the Pension Fund of Russia (PFR), and vneseconobank (VEB) controls with money, placing them in Russian state bums. The profitability of such conservative investments, as a rule,
It does not significantly reach inflation, but the main problem is that soon the amount of money in funded accounts will be comparable to all the internal debt of the country, and to greatly expand borrowings only so that VEBU is where to invest pension money, at least
Weird.
There are several more or less reasonable proposals for resolving the situation. For example, the Ministry of Economic Development is going to select several of the most successful and reliable private Criminal Code, who have the opportunity to invest in a wider circle of tools, and entrust them with the management of the very 95 percent of the accumulative accounts that belong to the “silence”. With the other, the head of the Federal Financial Markets Service (FSFR) Oleg Vyugin made the initiative last week. He proposed to make a choice of a Criminal Code or Pension Fund for all employees. Those who do not want to make a choice, punish, up to deprivation of the funded part of the pension.
It is difficult to say that it was precisely the very liberal and highly professional financier of Vyugin to an attempt to implement the old army principle "you can’t - we will teach, do not want - we will force." Most likely, the success of the introduction of OSAGO - compulsory insurance of auto -citizens
responsibility. Today, motorists are almost safely insured. However, such coverage was not only the result of fear of the punishment, which the car owner is subjected to the lack of a CTP policy. There is also the merit of insurance companies that, in the struggle for the money of citizens, managed to create a fairly convenient infrastructure for selling policies. This is exactly what the Criminal Code and NPF did not. There is also the guilt of the regulator - the FSFR, which could simplify the procedure for transferring the funded part of the pension into private management.
The following norm is valid today. “The application can be submitted by the insured person personally: to the territorial body of the Pension Fund of the Russian Federation; The body (organization) with which the Pension Fund of the Russian Federation has concluded an agreement on a mutual certificate of signatures ” - this explanation is given on the website of the FSFR. You can, however, send an application to the FIU by mail, but for this you need to go to the notary and assure your signature. The problem is that most Russians are younger than 50 years of persistent allergies to various kinds of present places. And it is difficult to drive a normal person into the PFR department, forcing to lose a day with pensioners who came there with vital issues for them. Even under the threat of losing a funded pension, which still needs to be survived.
Notaries also do not say that it was very free. As for the notorious “bodies (organizations) with which the Pension Fund of the Russian Federation has concluded an agreement on mutual certification of signatures”, then their list, even if it exists, obviously, is a state secret, since I could not find it, for example,. Management companies and non -state pension funds behave more than passively (unlike the same insurance companies that advertise and sell wherever possible), which is strange, which is strange. In the end, average annual revenues to the funded account are quite comparable with the average cost of the CTP policy. The stake now costs more than 10 billion dollars accumulated in VEB, and the amount is growing stably every year. So companies interested in managing this money could behave more actively. You look, and citizens would have learned to save up for old age. Maxim Blanc
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