捷克共和国和保加利亚资本养老基金的发展以及实施政治公众人物计划的准备情况

IF 1.5 Q3 PUBLIC ADMINISTRATION
Elroi Hadad, S. Dimitrov, Jivka Stoilova-Nikolova
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引用次数: 2

摘要

不利的人口趋势正在给所有欧洲国家的公共养老金系统施加更大的压力,对养老金替代来源的需求也在增加。个人养老金产品可以被视为解决提供充足养老金问题的一种可能方案。泛欧个人养老金产品(PEPP)是第一个受欧盟统一制度约束的标准化养老金产品。既然政治公众人物计划的监管框架已经在欧盟层面建立,那么就应该由成员国创造一个适当的法律环境,以促进政治公众人物的成功发展。本文考察了自愿养老基金的作用以及在选定国家实施政治公众人物计划的准备情况。我们关注的是捷克共和国和保加利亚,在这两个国家,私人养老基金的作用越来越大。我们研究了政治公众人物计划如何融入国家养老金体系,并就要采取的监管措施提出了一些建议,以确保政治公众人物政策不会在与国家养老金产品的竞争中处于不利地位。我们发现,在公共养老金是退休收入的主要来源,而职业养老金计划的作用微不足道的国家,政治公众人物计划可能会填补养老金缺口。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Development of capital pension funds in the Czech Republic and Bulgaria and readiness to implement PEPP
Unfavourable demographic trends are exerting more pressure on public pension systems in all European countries, and the need for alternative sources of pension provision is increasing. Personal pension products can be considered as a possible solution to the problem of providing adequate pensions. The pan-European personal pension product (PEPP) is the first standardised pension product subject to a uniform EU regime. Now that the regulatory framework for PEPP has been established at the EU level, it is up to the Member States to create an appropriate legal environment in order to promote the successful development of PEPP. This article examines the role of voluntary pension funds and the readiness to implement PEPP in the selected countries. We focus on the Czech Republic and Bulgaria, where the role of private pension funds is growing. We examine how PEPP can fit into the national pension systems and make some proposals regarding regulatory measures to be taken in order to ensure that PEPP is not at a competitive disadvantage against national pension products. We find that PEPP may fill the pension gap in countries where public pensions are the main source of retirement income and the role of occupational pension schemes is insignificant.
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来源期刊
European Journal of Social Security
European Journal of Social Security PUBLIC ADMINISTRATION-
CiteScore
1.80
自引率
14.30%
发文量
28
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