Стан та проблеми розвитку пенсійної системи України

Abstract

Мисник Т.Г., Гвіздзжинська І.Ю. Стан та проблеми розвитку пенсійної системи України. У статті розглянуті і узагальнені актуальні проблеми розвитку пенсійної системи України. Визначено роль недержавного пенсійного забезпечення в економічній та соціальній сферах держави, виявлено проблеми розвитку та наведено основні напрямки удосконалення діяльності фінансових посередників. Окреслимо основні напрями реформування та розвитку пенсійної системи України.

T.G Misnyk, I.Y. Gwizdzynska. Status and problems of development of the pension system of Ukraine. Actual problems of development of the pension system of Ukraine are considered and generalized. Three levels of the pension system have been investigated, however, in Ukraine there are only two levels at present - the solidarity system and the voluntary savings system, but none of them is perfect. The main place in the pension system of Ukraine is occupied by the solidarity system, which is used by all Ukrainians, which is called as "PayasYouGo". The solidarity system is represented by the state pension provision. But at present, there is a rapid aging of the population, a decrease in the ratio of workers to the number of pensioners, and a demographic crisis, which is why such a pension system is unable to meet the growing demands of the population. Creating a favorable environment, as well as ensuring a decent standard of living for pensioners, enhancing the competitiveness of the national economy, increasing human capital and intensifying other components of the country's sustainable development are the main goals of reforming the pension system. Therefore, since state pension provision does not meet the needs of the population, it is necessary to develop non-state pension provision, which is represented by a cumulative system. It is represented by non-state pension funds, insurance companies and banks. The main problem with the development of non-state pension provision is the lack of knowledge and distrust of non-state financial intermediaries, which requires information and publicity work to promote the system of non-state pension provision among the population of Ukraine. The role of non-state pension provision in the economic and social spheres of the state is identified, problems of development are identified and the main directions of improvement of activity of financial intermediaries are outlined. Therefore, the analysis of the pension system showed the need for reform, which should aim not to mechanically align the income and expenditure of the Pension Fund, but to optimize their size.

Т.Г. Мысник, И.Ю. Гвиздзжинская Состояние и проблемы развития пенсионной системы Украины. В статье рассмотрены и обобщены актуальные проблемы развития пенсионной системы Украины. Определена роль негосударственного пенсионного обеспечения в экономической и социальной сферах государства, выявлены проблемы развития и приведены основные направления совершенствования деятельности финансовых посредников, осуществляющих негосударственное пенсионное обеспечение. Определены основные направления реформирования и развития пенсионной системы Украины.