The attitude of the population towards the Pension Fund of Russia has deteriorated significantly over the past year, found the Central Bank. According to the study the regulator just six months, the level of credibility has collapsed by almost two times. If in January our confidence in the Pension Fund of Russia (PFR) was declared by 31% of citizens, now there was only 21%.
Is the only financial institution, which the Russian population has deteriorated significantly. With respect to all other financial institutions there has been a definite positive trend, — indicates the report by the Central Bank.
Index for six months from 10% indicates a serious decline of public confidence in the FIU, says the head of the independent research Agency "Bashkirova and partners" Elena Bashkirova: "Our research shows that the level of anxiety of citizens concerning their pensions is extremely high. 62% of Russians among problems which, in their opinion, should be addressed first, talking about "saving pension savings". And it sounds like such a term as "salvation."
We are talking about "saving" pension savings primarily from the so-called freeze. It meant introduced back in 2014 the moratorium on formation of accumulative part of pension of Russians. Allocated for these purposes, the contributions (6% of the salary of the citizens) go to the insurance part, and in fact, the payments to current retirees. This means that for three consecutive years the pension savings of citizens does not increase. Thus partially covered the deficit of the FIU. Moreover, the draft Federal budget envisages the extension of the freeze for a further three next year.
The concern is that such an indefinite "freeze" can be completed simply by the abolition of the mandatory funded pension. It can translate in a voluntary format, that is, contributions to its formation will do is not the employer at its own expense, as it is now, and workers themselves from their wages.
In this case, the working population will lose part of their income, said Director of the Russian centre of living standards Vyacheslav Bobkov.
And this despite the fact, he said that two-thirds of working people have wages below the socially acceptable consumer budget. He is three the minimum subsistence level and allows you to meet the needs of people on modest level. 12% of workers income and does not even reach the subsistence minimum (equal to 9.9 thousand).
The question here is how to support his family. Is it worth it in this case to speak about opportunities to deduct part of their salary to their pensions, says Bobkov. — In addition, this year for the first time in recent years, had violated the principle of indexation of pensions.
The law expressly States that the pension "is subject to annual indexation from 1 February on the growth of consumer prices over the past year". This year with February pensions are indexed only by 4%, while growth in consumer prices last year was 12.9%. However, in compensation, retired in January of 2017 will receive an additional one-time payment in the amount of 5 thousand rubles. But payment was still "significantly less than the put indexation," says Bobkov.
Given that, according to Rosstat, the average pension in Russia amounted to 12 thousand rubles, in 2016, retirees will not receive more than 12.8 thousand rubles. In subsequent years, they will lose the same amount (plus indexation), but without the one-time payment of 5 thousand roubles.
— Paid to current retirees will not provide even the minimum needs of man, — said the lawyer Bureau "Business fairway" Anton Senichev. Russian pensioners receive an average of 38% of the earnings that they had during their work activities. According to the norms of the International labour organization, the replacement rate shall not be less than 40. In the European Union pensions account for 60-70% of salary.
However, the actions of the FIU also does not add to it nor respect, nor trust. In early October it became known that the problems with filling the budget, does not prevent the officials to live in Grand style. Even middle managers the Pension Fund of Russia can afford to spend 100-200 thousand rubles for a flight, say, from Moscow to Kaliningrad, Simferopol, Sochi and even Geneva and Paris, where pensions are flying to exchange experience with foreign colleagues. Only for January — September 2016 the managers of the FIU flew 5.6 million. 2015 — 10.4 million rubles.
The results of the survey objective, according to the President of the National Association of pension funds (NAPF) Konstantin Ugryumov.
— The decline of trust of Russians to the FIU is due primarily to the constant changes in pension provision. The introduction of a point system for the formation of pensions, a "moratorium" on pension savings, the reduction of indexation of pensions — the most striking examples of the last three years, destroying the stability of the pension system. Complex and absolutely incomprehensible system of calculating the pension points and, respectively, appointment of pensions makes people feel a natural disappointment, says Ugryumov.
The FIU said that the Fund "is traditionally the attitude of citizens to the pension system with a large number of annual changes, and some of them are not popular among the population".
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