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1. ВВЕДЕНИЕ 2.АКТУАРНАЯ ЭКСПЕРТИЗА 3. ОСНОВЫ ПЕНСИОННОГО ЗАКОНОДАТЕЛЬСТВА РЕСПУБЛИКИ МОЛДОВА 4. ДЕМОГРАФИЧЕСКАЯ СИТУАЦИЯ В РЕСПУБЛИКЕ МОЛДОВА 5. СОВРЕМЕННАЯ МАКРОЭКОНОМИЧЕСКАЯ СИТУАЦИЯ 6. ОБЩИЕ СВЕДЕНИЯ О ПЕНСИОННОМ ОБЕСПЕЧЕНИИ 7. РЕЗУЛЬТАТЫ МОДЕЛИРОВАНИЯ 8. Итоги и перспективы развития пенсионной системы Республики Молдова 9. Приложение: анализ рисков условно-накопительной и накопительной пенсионных систем
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Пенсионная система Республики Молдова: актуарная экспертиза
6.2.2. Compensation of lost wageThe compensation of the lost wage along with the protection against poverty is the most important function of any pension system. The main criteria for the evaluation of the national pension insurance level is the coefficient of lost wage replacement. It is to be mentioned that there are different methods for the evaluation of the replacement rate. For the pension system on the whole more often it is used the replacement rate, which is determined as correlation between the average pension size and average size of calculated wage. The dynamics and correlation between the average pension and calculated average wage are presented on the Picture 6.14. They indicate that in 2001-2003 the correlation between the average wage and average pension went down gradually from 25,6% to 23,8%. The action carried out in 2004 on a large scale for the recalculation of newly assigned pensions as result of which (according to the law) they should be increased by at least 25%, as well as the pension indexation by 22,3%, carried out in April 2006, allowed to increase the average size of pensions by 50%, followed by the increase of the replacement rate by 29,4%. However, in 2005 the replacement rate went down again to 28,9% and in the first half of 2006 constituted 26,7%. The regular decrease of the replacement rate is related mainly to the fact that the wage in Moldova grows up more sharply than pensions, since according to current legislation the pensions are indexed only to the average amount between the average annual increase of the consumer cost index and annual increase of the average national wage for the previous year. In this situation the chronic decrease of the replacement rate is inevitable. The situation is aggravated by lower sizes of newly assigned pensions that is related to the specifics of used pension formulas. Picture 6.14. Dynamics and correlation between the calculated average wage and average pension
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