რეზო საყევარიშვილი19 ოქტომბერი, 2010

საპენსიო რეფორმის საჭიროება საქართველოში

prezentaciis struqtura

preistoria sapensio modelebi msoflio konteqsti saqarTvelos konteqsti reformis saWiroeba

preistoria axali diskusiis dasawyisi _ 90-iani wlebis Sua

periodi

msoflio bankis publikacia Averting The Old Age Crisis (1994)

ZiriTadi gamowvevebi arsebuli sapensio sistemebisTvis:

 adamianis sicocxlis xangrZlivobis gazrda demografiuli problemebis (SromiTi resursebis dabereba)

mateba  solidaruli sapensio sistemebis (Pay-As-You-Go) deficitis zrda

preistoria (gagrZeleba)msoflio banki (World Bank)

Sromis msoflio organizacia (ILO) socialuri usafrTxoebis saerTaSoriso asociacia

(International Social Security Association)

konsensusis formula _ `universaluri recepti ar arsebobs, yvela qveyanam unda aarCios erovnul specifikasa da ekonomikis ganviTarebis doneze damyarebuli sakuTari modeli”

sapensio sistemis modelebisolidarul principze dagrovebiT principze

Sereuli

msoflio konteqstiwyaroebi:

Measuring the pressure on EU pensions systems (AON Consulting)

National Institute on Aging (USA)Eurostat Standard&Poor’s

msoflio konteqsti (gagrZeleba)mosaxleobis daberebis da pensiaze adre

gasvlis gamo sapensio sistemebis stabiluroba mcirdeba

ekonomikuri krizisis da SromiTi resursebis Semcirebis gamo, saxelmwifo pensiebi sul ufro naklebad Seesabameba cxovrebis dones

korporatiuli pensiebis odenoba izrdeba, magram arasakmarisi tempebiT

prognozebi65 wlamde asakis mosaxleobis

odenoba 2040 wlamde dRevandeli 7%-dan 14%-16% mde gaizrdeba

dasavleT evropaSi 17,8% dan 28,1% mde

yvelaze metad gaizrdeba 80 + asakovanTa ricxvi

dasavleT evropaSi 85 wels zemoT _ 4,9%dan 9,3%mde

prognozebi Old age dependency ratio (65 wlis da ufrosi

asakis Sefardeba 15-64 wlamde asakis mosaxleobasTan) evrokavSiris 27 qveyanaSi dReavandeli saSualo 25%-dan 2040 wlisTvis 45%-mde, 2060 wlisTvis ki 53%-mde gaizrdeba

evrokavSiris 27 qveyanaSi sapensio xarjebi mSp-s 9,1%-s Seadgens. sapensio reformebis ganuxorcieleblobis SemTxvevaSi maTi wili 2040 wlisTvis 11,1%-mde gaizrdeba.

gamosavalisaxelmwifo sapensio danaxarjebis

optimizacia:sapensio asakis gazrda“gamonaklisebis” gauqmebadagrovebiTi sapensio sqemebis stimulireba

magaliTebi:safrangeTieqtoneTi

saqarTvelo – dRevandeli mdgomareobasaqarTveloSi arsebuli sistema arc erT

ZiriTad 3 models ar Seesabameba

kanoni saxelmwifo pensiebis Sesaxeb

kanoni arasaxelmwifo sapensio dazRvevisa da uzrunvelyofis Sesaxeb

swrafva evropisken – evropuli qartiis CarCo

saqarTvelo – dRevandeli mdgomareobasapensio asakis mosaxleoba –

saerTo mosaxleobis 16,6%sicocxlis xangrZlivoba – 76,72pensias Rebulobs sapensio asakis

mosaxleobis 90%pensiis moculoba – 80 larisapensio danaxarji – 2010 wlis

saxelmwifo biujetis 12,6%

saqarTvelo – dRevandeli mdgomareobaasakovani mosaxleoba:

sapensio asakis mosaxleoba gaizarda 4 %-iT 2000-2009 ww

85+ gaizarda 57%-iTbavSvebi:

0-15 wlamde bavSvebis ricxovnoba Semcirda 20%-iT 2000-2009 ww

bavSvTa sikvdilianoba 16,22 (saS.evropuli 5,6)migracia: - 50,000 adamiani 2000-2009 wwdasaqmeba/umuSevroba:

4,3%-iT gazarda umuSevroba 2004-2009 ww13%-iT Semcirda formalur seqtorSi dasaqmebulTa

ricxvi 2000-2009 ww

gamowvevebi:sapensio garantireba ar aris

institucionalizebulimosaxleoba berdebasabiujeto wnexi izrdebasaxelmwifo biujeti ver izrdebasxva socialuri valdebulebebi izrdeba

sapensio repormis miznebi

problemis mogvarebis SesaZlo gzebi:

sapensio asakis momateba gamonTavisuflebuli fulis mimarTva pensionerTa socialur

saWiroebebisakensapensio valdebulebebis institucionalizacia:

kanonmdeblobaSi mkafio valdebulebebis asaxvasapensio saxsrebis finansuri wyaros identificireba

asakiT pensiis integracia socialuri daxmarebis erTian sistemaSi

kerZo dagrovebiTi sqemebis ganviTarebis stimulireba

sadiskusio kiTxvebiarsebuli realobidan gamomdinare, saWiroa

Tu ara sapensio uzrunvelyofis sistemuri cvlileba?

siRaribis daZlevis miznobriobis gazrdisTvis SesaZlebelia Tu ara asakiT pensiis integracia socialuri daxmarebis erTian sistemaSi?

mosalodnelia Tu ara sapensio sistemis efeqtianobis zrda dagrovebiTi komponentis gaZlierebiT?