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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 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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