Типы пенсионной системы

1.

riEHCMM
U4PBK
riEHCUOHEPbl
Pft3HblX CTPfiH
WflHUMf
l *42 730 <

2.

^mo maKoe neHcum, KaKue ucmovHUKu
Bbinnambi neHCuu?_
lleHcua - 9TO oflMH H3 BUflOB coL^Ma/ibHbix n/iaiexeri, B ocHOBy KOToporo no/ioxeHO peaynnpHoe
(puHdHcoeoe odecnenemie nenoBexa, ec/in OH flocmr neHCHOHHoro B03pacra, HMeeT
HHBa/iMAHOCTb v\nv\ noTepa/i KopMM/ibu,a
Ha3HcmeHue neHcuu — KOMneHcupoBamb cHuxceHue doxoda Henosexa BC/ie^CTBHe yipaTbi
Tpya,ocnoco6Hocm H/IM c/ioxHBmeroca coL^Ha/ibHoro no/ioxeHMa, HTO no3Bo/ifleT
xapaKTepn30BaTb Bbin/iaiy neHcuu Ka« BH^ cou.ua/ibHoro crpaxoBaHrm
( DcHOBHbie ucmo^HUKU dna Bbinnambi neHcuu
&rocyAapcTBeHHbie pecypcw (neHcuio Bbinna^usaem socydapcmBo)
&KopnopaTMBHbie pecypcw (neHcuio Bbinna^usaiom opeaHU3au,uu, B Komopbix
—>
nenosex npopadoman onpedeneHHoe xonu^ecmso nem) &HacTHbie pecypcw
(codcmBeHHbie HaxonneHun)

3.

Kaicue cymecmeyiom munbi neHCuoHHOu
cucmeMbi?_
B MMpoBOM npaKTHKe cyLu,ecTByeT flBa Tuna neHCMOHHOM cucTGMbi: pacnpede/iumeAbHaa (M/IM co/iM^apHaa) M
HdKonumeAbHdn
PacnpedeAumeAbHcisi neHcuoHHaa cucmeMa
&ocHOBaHa Ha npnHU,nne coAudapHocmu noKOAemiu, T.e. Te, KTO paGoTaroT cePmac,
n/iaT^T 3a Tex, KTO yxe BB/iaeTCB neHCMOHepoM, M TaKMM o6pa30M cjjopMHpyfOT CBOM
neHCHOHHbie npaBa 3a cneT OTHMcneHMM B o6mnn (neHCMOHHbiM) cjjoHfl
&npeuMymecmeo cucmeMbi 3aK/ifOHaeTCfl B TOM, HTO rocy^apcTBO o6ecneHMBaeT
MMHMMa/ibHyKD coi^Ha/ibHyKD no^flep>KKy BceM rpax,qaHaM
&HB/lfleTCfl OCHOBHOU BO MHOBUX CmpdHdX, HO pOCT npO^O/IXHTe/lbHOCTM XH3HM
M nocTeneHHoe crapeHHe Hace/ieHMH yBe/iMHMBaeT Harpy3Ky Ha pacnpefle/iHTe/ibHyfo
neHCHOHHyfo CHCTeMy H npnBo^HT K HexBaTKe ^eHer Ha Bbin/iaTy neHCMM

4.

Om vezo 3aeucumpa3Mep neHcuu
pa^npede/mme/i^HOu cucmeMe?_
f
fit i—06fl3aTe/ibHbie
OTMwcnewiH
BunnaTa rocyAapCTHGHHOu newcwM
c 3QpaboTHOM
ra/iaTM

5.

Kaicue cymecmeyiom munbi neHCuoHHOu
cucmeMbi?
HaKonumeAbHan neHcuoHHan cucmeMa
&0CH0BaHa
Ha
npi/iHUi/ine
HaKonneHun,
T.e.
Kax^biM
ne/ioBeK
caiviocTOBTe/ibHo cj)opMnpyeT CBOM neHcuoHHbie npaea 3a cneT oTHMc/ieHMM
He B O6LU,MM cfiOHfl, a Ha MHflMBM^ya/lbHblM neHCMOHHbIM CHeT
&npeuMymecmBo cucmeMbi 3aK/iK)MaeTCB B TOM, HTO Ha Hee MeHbrne
B/IMBKDT fleMorpacj)MHecKMe cj)aKTopbi M TeH/^eHUMM, a fleHbm no/iyMatoT
MMCHHO Te, KTO MX HaKonM/i
&neHcuoHHbie HanonneHUA BO3MODKHO npuyMHODKumb, MHBecTMpya B
pa3/lMHHbie (j)MHaHCOBbie MHCTpyMeHTbl

6.

Om nezo 3aeucum pa3Mep neHCuu HdKonumeAbHou cucmeMe?

7.

KaKycmpoeHa coepeMeHHdft neHcuoHHcm
cucmeMa Poccuu?
CoBpeMeHHa?
i rocy^apcTBeHHaB neHCHOHHaa CHcreMa POCCHH HOCHT CMeiuaHHbiu
xapaKmep
6
/X< y B3HOCbl Ha
Pa oTo,a,aTe/iM o6a3aHbi nepeHHC/iflTb B Oeflepa/ibHyfo Ha/ioroByro c/i> Ha o6B3aie/ibHoe
6
neHcnoHHoe crpaxoBaHHe, KOTopbie HanpaB/iBfOTCB cj)opMnpoBaHne co/iudapHou
nacmu
neHcuu
Tpa^aHe Poccuu, po^HBLUHeca HepaHee
1967z., mviefOT npaBO nepeBecrn nacTb CBoero dpaxoBoro B3Hoca (6%
11322%) m co/iHflapHon nacTH B HaKonme/ibHyfo
9TH cpeflcma 3aHHC/iflfOTCfl Ha UHdueudyaAbHbiu /luneeou cnem c nocTOHHHbiM crpaxoBbiM
HOMepoM, KOTopbiM lleHCMOHHbiM cj)OHfl oTKpbmaeT Ha Kax^oe 3acTpaxoBaHHoe /inu,o (padomHUKa, 3a
Komopozopa6omodamenb denaem omHuc/ieHusi e lleHcuoHHbiu (poHd P0)

8.

KaKycmpoeHa coepeMeHHcm zocydapcmeeHHast
neHcuoHHcm cucmeMa Poccuu?
HaKoni/iTe/ibHafl MacTb neHcMM MHBecTi/ipyeTc^ Ha 4>MHaHCOBbix
pbiHKax, a rpax^aHHH caMocroflTe/ibHO Bbi6npaeT, KTO UHBecmupyem ezo
neHcuoHHbie HaKon/ieHua
V7
cferocyAapcTEGHHaa ynpaB/iflfomafl KOMnaHi/m (BHeui3KOHOM6aHK) &HerocyAapcTBeHHbiM
neHCMOHHbiii
V\J\V\ ynpaB/iAfomafl KOMnaHMfl, c
KOTOpOM rieHCMOHHblM (^OH^OM POCCMM 3aK/lfOHeHbl flOTOBOpbl AOBepMTe/ibHoro
ynpaB/ieHMfl cpe^CTBaMM neHCMOHHbix HaKon/ieHi/m

9.

Ha KQKUX 3aK0Hax ocHoebieaemcst
aocydapcmBeHHOB neHCuoHHaa cucmeMa
3aKOHbi o neHcuoHHOM odecneveHuu B POCCUU
&Oeflepa/ibHbiM 33KOH OT 01 anpe/iq 1996 r. N2 27-03 «06 MHflUBMflyayibHOM
(nepcoHncJ)m^MpoBaHHOM)yMeTe B cMcreMe rocyflapcTBeHHoro neHcnoHHoro CTpaXOBaHMfl»
&0eflepa/ibHbiM 3aKOH OT 07 Maq 1998 r. N2 75-03 «0 HerocyflapcTBem-ibix neHcnoHHbix <J>OHAax»
&0eflepa/ibHbiM 3aKOH OT 15 fleKa6pq 2001 r. N2 167-03 «06 o6«3aTe/ibHOM neHcuoHHOM
CTpaXOBaHMM B P0»
&0eflepa/ibHbiM 3aKOH OT 17 flei<a6pq 2001 r. N2 173-03 «0 Tpy^OBbix neHCMBX B P0»
&0eflepa/ibHbiM 3aKOH OT 28 flei<a6pq 2013 r. N2 400-03 «0 CTpaxoBbix neHcn«x»

10.

KaKue eudbi neHcuu cymecmeyiom e Poccuu?
B Poccuu cymecmeyem vembipe ocHQBHbix euda neHcuu
BUflbi riEHcm
&CTpaxoBa a
&no rocy^apcTBeHHOMy neHci/ioHHOMy
o6ecneMeHMfo
&HaKonme>nbHaa
6
&£o poBO/ibHafl
Hmo HyjfCHo 3Hamb 06 u3MeHeHunx B
neHcuoHHou cucmeMe
no
rOCyflAPCTBEHHQMy
OBECnEHEHMK)
no CTAPOCTH 1
no
HHBAnHflHOCTH
no CJ YHAK)
InOTEPM !
3A BbicJiyry
KOPMMJlbUAT
/IET I
COUHAJIbHblE
I HEHCMM ! no
no
CTAPOCTH,
HHBAJ MAHOCTM, no
CJIYHAK)
nOTEPM
KOPMWJlbUA
1
1

11.

Hmo mmoe cmpaxoeaa neHcua B POCCUU?
j CmpaxoBan neHCua - BIO ex<eMecflMHafl fleHe>KHafl Bbin/iaTa B ije/inx KOMneHcaLjMH I
yTpaqeHHoro floxo/ja
i—
................................................................................................................................................................................................
.*
;.......................................................
........................................................
........................................................
.............................\
Budbi cmpaxoeou neHCuu:
crpaxoBafl
neHCMM no crapocTM
crpaxoBaa
neHCMM no MHBa/iMAHocTM
neHCMfl no c/iynaK) noTepn KopMM/ibL^a
crpaxoBaa
I K crpaxoBofi neHCkin ycraHaB/iMBaeTCfl Taioxe (pUKCuposaHHcm ebmnama e meepdoM j i
deHexcHOM pa3Mepe, KOTopafl 3aBkicnT OT Bkifla crpaxoBofi neHCMM n ex<eroAHo I
MH^eKCMpyeTCB rocy^apcTBOM

12.

Hmo maKoe cmpaxoeaa neHcua no cmapocmu?
( Cmpaxoean neHcun no cmapocmu
&caMbiM pacnpocrpaHeHHbiM Bv\f\ neHCHH B POCCMM
&npaBo Ha crpaxoByfo neHCMfo no ciapocTH HMeroT MyxHMHbi (om 6$Aem) H
xeHLu,HHbi (om
60 nem)
—> ScomdeAbHbieKameaopuu apaxcdaH MoryT no/iyMHTb npaBO Ha CTpaxoByro neHCHfo
paHbLue &ycAOBUsi Ha3HcmeHunneHcuu: Ha/iHHMe Heo6xo/j,HMoro CTpaxoBoro craxa
M MMHHMa/lbHOM CyMMbl neHCMOHHbiX Ga/l/lOB 8c(f)opMyAa pacnema
CyMMa HaKonyieHHbix neHcnoHHbix 6a/i/ioB x CromviocTb neHCkioHHoro 6a/i/ia Ha
flaTy HaBHaMeHMfl neHCkm + (DkiKCMpoBaHHafl Bbin/iaTa

13.

Hmo maKoe cmpaxoeaa neHcua no cmapocmu?
(Zmpaxoean neHcun no cmapocmu
&CTomviocTb neHCMOHHoro 6a/i/ia n pa3Mep (j)nKcnpoBaHHOM
Bbin/iaTbi ewezodHO UHdeKcupyemcst zocydapcmeoM
&paccHmaTb opneHTMpoBOHHbiM pa3Mep crpaxoBOM neHcnn no
— crapocrn MOXHO c noMOLLibho neHcuoHHoao KanbKV/inmopa
> &y3HaTb o cc()opMnpoBaHHbix neHcnoHHbix npaBax MOXHO B /IMHHOM
Ka6nHeie Ha oc^nuna/ibHOM caMTe I10P, npe/i.Bapme/ibHo no/iynnB K
HeMy ^ocryn, npoM^fi perncrpaLjnK) B EduHou cucmeMe udeHmu(puKau,uu u
aymeHmu(f)UKauluu (ECUA)

14.

Hmo maKoe cmpaxoeaa neHcua no uHeanudHocmu u
no cnyyaio nomepuKopMunbu,a?

15.

Vmo maKoe neHCun no socydapcmeeHHOMy neHcuoHHOMy o6ecneneHUK> e
Poccuu, u KOMy OHQ Hd3HCMaemcn?
rieHcua no zocydapcmeeHHOMy neHcuoHHOMy o6ecneveHuio - smo exceMeawHan zocydapcmeeHHaa
deneMHan Bbin/iama, Ha3HcwaeMafi e u,eAax
&cKOMneHcau,uu doxoda, yTpaneHHoro B CBH3M C npexpameHMeM c^e^epa/ibHOM rocyflapcTBem-ioM
c/iyxGbi npM flocTMxeHMM Bbic/iym /ieT npM Bbixo^e Ha neHCMfo no CTapOCTM M/1M
MHBa/IMflHOCTM
8cKOMneHcau,uuympcmeHHozo3apa6omKa rpax^aHaivi M3HMC/ia KOCMOHaBTOB M/IM m HMC/ia
pa6oTHMKOB /leTHO-McnbiTaie/ibHoro cociaBa B CBB3M C Bbixo/joM Ha neHCMio 3a Bbic/iyry /ieT
8cKOMneHcau,uu epeda, HaHeceHHoro 3flopoBbfo rpax^aH npM npoxoxfleHMM BoeHHOM c/iy^Gbi, B
pe3y/ibTaie pa^MaLjnoHHbix M/IM TexHoreHHbix KaTacrpocJ), B c/iyqae Hacryn/ieHMq MHBa/IMflHOCTM
M/IM nOTepM KOpMM/lbLJ.a, npM flOCTMXeHMM yCTaHOB/ieHHOrO 3aKOHOM B03pacTa
&Hempydocnoco6HbiM spaxcdaHciM B u,e/iax npe^ocTaB/ieHMq MM cpe^CTB K cymecTBOBaHMK)

16.

Kaicue u3BecmHbi eudbi neHCuu no
zocydapcmeeHHOMy neHCUQHHOMy o6ecneneHUK)?
1HbcydapcmeeHHaA neHcun 3a BbicAyay Aem
>
—
&Ha3HaHaeTCH BoeHHOc/iyxammvi, KocMOHaBTaM H pa6oTHMKaM zieTHo-ncnbiTaie/ibHoro
cocraBa, c|)eflepa/ibHbiM rocy^apcTBem-ibiM c/iyxammvi
rocydapcmeeHHaa neHcun no cmapocmu
>
—
&Ha3HaMaeTCH rpax^aHaivi, KOTopbie nocrpafla/in B pe3y/ibTaie paflMaL^MOHHbix M/IM TexHoreHHbix
KaiacTpocJ)
rocydapcmeeHHan neHcun no CAyvcuo nomepu KopMUAbu,a
>
—
&Ha3HaMaeTCH HeipyflOcnoco6HbiM M/ieHaM ceivieM nornGwux (yMepiunx) BoeHHoc/iyxaLU,nx;
rpax^aH, nocTpa^aBLUMx B pe3y/ibTaie paflHau.MOHHbix H/IM TeXHOreHHbIX KaTaCTpCxJ),
KOCMOHaBTOB

17.

Kaicue u3BecmHbi eudbi neHCuu no
zocydapcmeeHHOMy neHCUQHHOMy o6ecneneHUK)?

18.

Hmo maKoe HQKonumeAbHaa neHeua B POCCUU?
HaKonumeAbHan
HaKon/ieHMM,
pa6oTo^aTe/ien
neHCUfi
-
3TO exeMecAHHaa Bbin/iaTa neHCMOHHbix
KOTopaa ccfiopivii/ipoBaHa 3a cneT CTpaxoBbix B3HOCOB
M ^oxo/^a OT MX MHBeCTMpOBaHMfl, BbinAOHUBaeMOfi
nODKU3HeHHO
i B c/iynae 0TKa3a OT cfiopMMpoBaHMfl HaKonMTe/ibHOM neHCMM seepaHee |
ccpopMupoBdHHbie neHcuoHHbie Ha.KonAeHU.fi epaxcdaHUHa coxpaHsuomcfi, i
MHBecTMpyioTCfl M 6y^yT Bbin/ianeHbi B no/iHOM oGteMe noc/ie Toro, KaK \
rpax/^aHMH no/iyMMT npaBO B W M T M Ha neHCMio M o6paTMTCfl 3a ee i
Ha3HaneHMeM
.......................................................................................................................................................................
6OM rpax^aHMH, ec/iM y Hero cc()opMMpoBaHbi neHCMOHHbie HaKon/ieHMn, MMeeT npaBO MMM
/IKD
pacnopfixcambcfi M Bbidupamb, KOMy ^oBepMTb ynpaB/ieHMe MMM

19.

Hmo maKoe do6poeonbHaa neHcua e
Poccuu?
...........■■■■■■■■■■■■■............................................................................................................................. ....................
lleHcuf7 no dodpoBOAbHQMV (HeaocydapcmBeHHQMv) neHcuoHHOMV
odecneveHUfo - 3TO B\A/\ neHCMM, KOTopyio rpax^am/m cjxapiviMpyeT
caMocroflTe/ibHo nepe3
Herocy^apcTBeHHbix
neHCMOHHbix
cj)0H^0B
aioro ci/icieiviy
Heo6xoflmvio
3aK/ifOHi/iTb ^oroBop
c HeaocydapcmeeHHbiM
neHcuoHHbiM (poHdoM (HIlQ) M B TeneHMe onpe^e/ieHHoro nepno^a
BpeMeHM ^e/iaTb B3Hocbi Ha c()opMi/ipoBaHMe 6y,qymeM neHCMM
B cf>opMi/ipoBaHi/ii/i neHcm/i rpax^aHMHa, IHOMHMO Hero caivioro,
MoxeT ynacTBOBaTb M ero pa6oTo^aie/ib/ pea/iM3yK)iu1MM
KopnopamuBHbie neHcuoHHbie npoapaMMbi

20.

Kaiaie (paKmopbi BAUfnom Ha pa3Mep
^opMupyeMbix neHCUQHHbix HaKOtmeHuu?
Cnedyem pa3pa6omamb AUVHbiu <fiuHdHcoebiu\ nnan no (popMupoeciHUK) u
UHBecmupOBdHUK) neHCUOHHbIX HdKOn/ieHUU

21.

KQK MOMHO HdKonumb Ha neHCuuo?

22.

KQKMOMHO HdKonumb Ha neHCuio?

23.

KCLKMOXCHO HQKonumb HQ neHCuio?
Hi
zeocydapcmeeHHbiu neHcuoHHbiu (poHd
&neHCMOHHbie HaKon/ieHMfl, KaK MMHMMYM, coxpaHflKDTca, a B 6o/ibLUMHCTBe
—>
c/iynaeB npupacTafOT (+)
&cymecTByeT MexaHM3M Bbin/iaT no Hac/ie/jcTBy (+)
&HeBblCOKafl /^OXO/^HOCTb, KOTOpaq MO>KeT He nOKpbIBaTb
MH(|)/lfll4M0HHbie noTepn (-)
&cymecTByeT pnci< OT3biBa /ini4eH3MM y HIKt) (-)
&ocHOBHbie noKa3aie/in /jeflie/ibHocm HIKI) pa3MeLU,aK)TCfl M exero/^HO
o6HOB/iflK)TCfl Ha ocf)miMa/ibHOM came BaHKa POCCMM