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O‘ZBEKISTON RESPUBLIKASI OLIY VA O‘RTA MAXSUS TA’LIM VAZIRLIGI
SAMARQAND DAVLAT UNIVERSITETI
“IJTIMOIY FANLAR”
kafedrasi
“DAVLAT PENSIYA TA’MINOTI”
fanidan
XORIJIY MANBALAR
Tuzuvchi: o‘qit.G.Tagiyeva
Kafedra mudiri ______dots.I.Negmatov
V uchebnom posobii rassmatrivayutsya faktori, vliyayushchie na pensionnuyu sistemu, mejdunarodniy opit pensionnogo obespecheniya, sovremennoe sostoyanie pensionnoy sistemi v Rossiyskoy Federatsii, ee osobennosti, negosudarstvennoe pensionnoe obespechenie v Rossiyskoy Federatsii. Privodyatsya osnovnie termini i ponyatiya, spisok literaturi.
V knige L.Kotlikoffa i S.Bernsa, stavshey bestsellerom, issleduyutsya glubokie strukturnie poroki sovremennix sistem pensionnogo obespecheniya, deystvuyushchix v razvitix stranax. Tshchatelno analiziruya etu problemu na primere SShA, avtori pokazivayut, chto v odnoy lish etoy strane fiskalniy razriv - raznitsa mejdu planiruemimi rasxodami i doxodami gosudarstva - previshaet 51 trillion dollarov. Eto grozit vizvat ne tolko bolshie trudnosti v obespechenii prestarelim dostoynogo sushchestvovaniya, no i tyajeleyshiy krizis vsey mejdunarodnoy finansovoy sistemi, kotoriy zatronet vse strani bez isklyucheniya. Avtori predlagayut nabor politicheskix mer, pozvolyayushchix esli ne predotvratit gryadushchuyu buryu, to, po krayney mere, smyagchit ee udar. Privodyatsya takje rekomendatsii ryadovim grajdanam po soxraneniyu lichnix sberejeniy v usloviyax prakticheski neizbejnogo finansovogo krizisa.
Rassmatrivayutsya metodologicheskie osnovi aktuarnix raschetov, aktuarnoe otsenivanie razvitiya pensionnix sistem, osnovnie printsipi modelirovaniya pensionnogo straxovaniya. VprilojeniidanaktuarniyprognozrazvitiyasistemiobyazatelnogopensionnogostraxovaniyaRossiido 2020 godaislovarosnovnixterminov.
Dlya ekonomistov, buxgalterov i rukovoditeley organizatsiy, rabotnikov organov sotsialnogo obespecheniya, Pensionnogo fonda RF, negosudarstvennix pensionnix fondov, studentov ekonomicheskix vuzov.
Jizn v pojilom vozraste - eto noviy etap v jizni cheloveka s pozitsii ego psixologii i mirooshchushcheniya. Ob etom nado znat uje v molodosti, k etomu sleduet serezno gotovitsya v srednem vozraste. V knige analiziruyutsya vzglyadi gerontologov, sotsialnix psixologov, filosofov i bogoslovov na "osen" chelovecheskoy jizni. Issleduyutsya "riski starosti" v svete takoy vajnoy sotsialnoy i ekonomicheskoy problemi, kak demograficheskoe starenie naseleniya. Vtoroy krupnoy zadachey, kotoruyu predstoit reshit cheloveku pri podgotovke k sobstvennoy starosti, yavlyaetsya materialnaya storona dela. V rossiyskom molodom sotsiume otnosyatsya k etomu s bespechnostyu: "jit segodnya". No ee sledstvie - "prozyabanie zavtra". Spetsialisti v oblasti pensionnogo dela prizvani pomoch molodim lyudyam virabotat pravilnuyu jiznennuyu strategiyu.
V knige rassmatrivayutsya puti sozdaniya nadejnix i effektivnix form sotsialnoy podderjki lits pojilogo vozrasta, pensionnoe straxovanie i obespechenie v Rossii i v zarubejnix stranax. Ona adresovana shirokoy auditorii: spetsialistam negosudarstvennix pensionnix fondov, ministerstv i vedomstv sotsialnogo, finansovogo i pravovogo blokov, deputatam vsex urovney, studentam i prepodavatelyam, sotsialnim rabotnikam, a takje vsem interesuyushchimsya dannoy temoy.
Kniga posvyashchena aktualnim problemam pensionnoy reformi v Rossii. Osoboe vnimanie udelyaetsya otsenke byudjetnix posledstviy pensionnoy reformi 2010 g., opredeleniyu srednesrochnix i dolgosrochnix vizovov pensionnoy sisteme Rossii, razrabotke podxodov k obespecheniyu ee sbalansirovannosti. Kniga mojet bit polezna dlya spetsialistov v oblasti ekonomicheskoy politiki, rabotnikov federalnix organov vlasti, shirokogo kruga chitateley, interesuyushchixsya voprosami pensionnogo obespecheniya.
Every investment professional involved with the management of pension funds will embrace this wide-ranging handbook. Consisting of articles by an esteemed panel of contributors, it covers the basics as well as the latest on pension fund governance, operations, and value creation.
The Geneva Reports on the World Economy series was launched by the International Center for Monetary and Banking Studies (ICMB) and CEPR in 1999. Each title focuses on an aspect of the reform of the international financial and economic systems and is written by a team of internationally know macroeconomists. The eighth report in the series looks at pension funds. Contributors include Tito Boeri (Bocconi University and Fondazione Rodolfo Debenedetti), Lans Bovenberg (Tilburg University and Netspar), Benoît Coeuré (Agence France Trésor, and Ecole Polytechnique, Paris), and Andrew Roberts (Merrill Lynch).
How to deliver adequate pension benefits at reasonable costs is a huge challenge confronting our ageing societies. This book delivers a comprehensive overview of the latest insights into pension finance, pension system design, pension governance and risk based supervision. It combines state-of-the-art analyses with innovative policy proposals to increase the efficiency and resilience of pension systems and to advance these systems' contribution to global financial stability. Renowned pension experts offer cutting-edge guidance for future decision making and the development of best practices. This exciting exploration of the frontiers in pension finance highlights key aspects of securing long term retirement provisions. "Frontiers in Pension Finance" will be of interest to a wide-ranging audience, especially academic researchers, pension practitioners, supervisors and public sector policymakers.
This book provides a secure grounding in the theory and practice of finance insofar as it deals with pension matters. By using it, the reader will understand the various types of investment assets;
* the allocation of personal wealth to different asset classes
* corporate pension finance
* the financial aspects of defined contribution pension plans during both the accumulation and distribution phases
* the financial aspects of defined benefit pension plans
* the role of pension funds and pension fund management
* pension fund performance measurement and attribution
* risk management in pension funds
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