«Молодой учёный»
.
№ 16 (150)
.
Апрель 2017 г.
342
Государство и право
политики. В данной статье освещается структура, значение и роль пенсионной системы в Узбекистане
и проводится сравнение, где это уместно.
Ключевые слова
: пенсия, сбережения, пенсионные пособия, пенсии по возрасту и нетрудоспособности, по-
собие, накопительная пенсионная система, обязательная пенсия
T
he pension fund has a huge impact on the economy of
any state, since its main goal is to ensure the level of ma-
terial wealth earned by man through redistribution and accu-
mulation of funds. Everyone, wherever he lives, by his work
and past social contributions guarantees himself a certain
level of living in the future.
As the society ages, the issue of pension provision and the
transition of this system to funded principles becomes more
and more urgent. But often for an ordinary citizen the forma-
tion of a balanced budget seems very far from his daily wor-
ries. However, all the activities of such a complex and socially
significant financial institution, such as the Pension Fund,
directly depends on how economically justifiably and cor-
rectly the relevant budget parameters have been determined.
In recent years, throughout the world, much work has
been done to reform the pension system within the frame-
work of pension reform, in particular, the introduction of a
funded system. Under such a system, contributions accu-
mulated in the pension system due to payments of the em-
ployee and his employer are not spent on payments to to-
day’s pensioners, but are accumulated, invested and bring
in income until the payer retires. All the savings of the payer
and all his investment income received on these savings are
his personal property, which will ensure the payment of a
pension.
In the previous period, to ensure the social protection of
the elderly, the world was dominated, mainly, by distribution
systems. However, the gradual aging of the population (es-
pecially in developed countries), along with a sharp increase
in the corresponding costs, is forcing an increasing number
of countries to switch to a funded scheme of fixed contribu-
tions. Systems adopted in different countries differ from each
other, but they are united by the fact that pension payments
are determined by the amount of pension contributions re-
corded on individual accounts of citizens.
The situation is different with persons who are not formally
connected with labor relations and are in the category of cit-
izens for whom voluntary participation in the funded pen-
sion system is provided by legislation (private entrepreneurs,
members of dehkan farms and others). Unfortunately, all of
them are not in a hurry to join it, since accumulative pension
contributions are considered by this category of people as a
kind of additional tax. This is due to a misunderstanding of
the fundamentals of the functioning of the accumulative pen-
sion system as a whole, and in these circumstances, there is
an urgent need for a large-scale public awareness campaign,
the benefits of a funded pension system, the mechanism and
the specifics of its formation, and the implications of the ab-
sence of pension savings.
Carrying out pension reform, the Pension Fund of the
Republic of Uzbekistan fulfills the function of one of the ac-
tive participants in reforming the social sphere of the country
and approving new relationships between generations, so-
cial groups, employers, workers and the state. The result of
the reform should be the creation of a modern, high-tech and
efficient system of citizens’ pensioning. With this system,
the relevant statistical data necessary for the further devel-
opment of the pension business and compulsory when fore-
casting the required means for providing people needing so-
cial protection should be collected.
A distinctive feature of the accumulative and distributive
pension systems is the approach to the financing of pen-
sion benefits. In the distribution system, the source of cash
payments is employee contributions, which are expensed in
the current period and which are directly distributed among
pensioners. With a funded system, pensions are paid ex-
Fig. 1.
Do'stlaringiz bilan baham: 
