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The tendency to parity decrease between active and passive members of cash desks,
Presented on the diagramme 1.1, incontestably testifies to inevitability
Financial crash of old system.
chili_0101.gif (5509 bytes) - the Diagram 1.1
As an example it suggested to consider a case, when the rate of payments for
Financings of pensions equaled 20 % and it would be put aim to pay averages
The sizes of pensions equal of 70 % of the income, subject to taxation. Then
The parity active/passive should be not more low 3,5. It
The minimum size as expenses on the maintenance here do not join
System administrative apparatus. such parity active and passive
Insured was in 1980, and it meant that brought means have sufficed
To pay only a part of pensions.
Thus, at the developed tendency of change of demographic structure
Societies the old insurance system has appeared completely insolvent in
The financial relation.
_it 2. The BASIC LINES of NEW SYSTEM of INSURANCE _
_it positions _
The new pension system cardinally differs from the former. Are more low resulted it
The basic characteristics.
_1. Individual capitalisation _
Unlike old distributive system in new pension system
The sizes of payments are proportional to the efforts applied insured on
Extent of their labour activity. Regular payments of each insured
Arrive on its personal account, forming a personal pension fund. The size of it
Fund increases in process of accumulation of the increasing sum of payments. Increases
Also its value as means of maintenance of the profit formed as a result
Capital investments. Than more size of the fund which has been saved up on the personal account,
That above or pension which the insured can receive on reaching
Pension age, or the sum which can be paid successors in
Case of its death.
It is necessary to add that the law regulating this system, resolves
Insured to bring additional payments on the bill, that is supposes
The rate above the established 10 %. It means that the insured possesses
Possibility of accumulation of additional means on the personal account and,
Hence, can receive higher pension. Besides, in
The legislation other changes, according to which have been brought also
The worker has the right to get an additional savings bill, means with
Which can be in full or in part at the moment of pension registration
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