Сагит ОСПАНОВ.Как вернуть доверие к пенсионной системе?

Ответ на этот злободневный вопрос попытался дать председатель Национального банка Данияр Акишев, заявивший недавно, что нужно восстановить принципы конкуренции при выборе как моделей инвестирования, так и институтов управления пенсионными активами. «Сейчас у вкладчиков отсутствует выбор. Перечисление пенсионных накоплений осуществляется в ЕНПФ, нет возможности выбрать организацию для управления пенсионными деньгами, нет возможности выбрать инвестиционную стратегию. Государство решает все за вкладчиков и, соответственно, несет все риски на себе. Именно поэтому мы активно работаем по реализации поручения Главы государства по передаче функций управления пенсионными активами частным и зарубежным компаниям», - заявил он.

Своя логика в этом есть. Но давайте начнем с того, что скептическое настроение граждан к накопительной пенсионной системе было всегда. С самого момента ее введения государство пыталось выстроить доверие к ней со стороны населения. Но эта задача так и не была решена.

Раньше доверия не было, поскольку люди не знали, как будет работать накопительная система. Теперь доверия нет, потому что люди увидели, как она работает.

И дело вовсе не в отсутствии выбора, о котором говорит глава Нацбанка. Даже в случае, если вместо ЕНПФ появится несколько управляющих компаний, выбор все равно будет эфемерным. Все равно хочешь – не хочешь пенсионные взносы будут удерживаться, и все равно конкретному вкладчику нужно будет иметь дело с одним конкретным фондом. Никакого доверия этот выбор сам по себе не создаст.

Кредитор последней надежды

Причины недоверия к накопительной пенсионной системе на самом деле коренятся в другом. Во-первых, это постоянное изменение правил игры, совершенно не учитывающее мнение вкладчиков. То несколько фондов, то один, то опять несколько управляющих компаний. Решения принимаются спонтанно, без обсуждения, и такая непредсказуемость по определению не может вызывать доверия.

Во-вторых, серия девальваций национальной валюты, обесценивших пенсионные накопления. При этом государство не только не собирается решать эту проблему, но даже наотрез отказывается признать ее существование. Между тем, это фундаментальный фактор недоверия. Народ никак не может быть спокоен за свои накопления, зная, что в любой момент они могут обесцениться.

В-третьих, финансовые скандалы, которые привели к аресту руководства ЕНПФ. Чтобы там не твердили о том, что речь идет не о пенсионных накоплениях, а о собственном капитале, все это уже не воспринимается. Непоправимый удар по репутации нанесен.

В-четвертых, систематическое использование пенсионных накоплений для текущих нужд государства и квазигосударственного сектора. В феврале прошлого года Ерболат Досаев, который тогда возглавлял министерство национальной экономики, объявил, что 350 миллиардов тенге из средств ЕНПФ будут направлены на финансирование дефицита республиканского бюджета. Прошел ровно год – и снова та же история. Парламент принял поправки в республиканский бюджет, которые увеличивают его дефицит до 1 триллиона тенге. Часть этих денег будет профинансирована средствами ЕНПФ. «Пенсионный фонд является одним из крупнейших институциональных инвесторов на рынке капитала. Поэтому, конечно, его ресурсы мы будем использовать для того, чтобы финансировать дефицит бюджета», - пояснил министр финансов Бахыт Султанов.

Фактически, ЕНПФ стал таким же, как и Национальный фонд, регулярным источником формирования поступлений в бюджет, «кредитором последней надежды». И это очень тревожно. Потому что одно дело, когда деньги инвестируются осознанно, для получения дохода на основе анализа все рисков. И совсем другое – когда деньги вкладываются в добровольно-принудительном порядке, и не на проекты развития, а на затыкание дыр. Государство все прочнее подсаживается на «пенсионную иглу», как легкий источник дешевых денег.

Смотрящий за пенсионкой

Как бы то ни было, похвально, что председатель Национального банка вообще поставил вопрос о доверии к пенсионной системе. Ведь другие руководители эту тему вообще стараются не замечать. Так получилось, что с объединением пенсионных активов в ЕНПФ, подконтрольный Нацбанку, именно это ведомство и стало «смотрящим» за пенсионкой. Хотя на самом деле Нацбанк – это финансовый регулятор, и его задача в том, чтобы система была финансово устойчивой.

В то же время есть масса других аспектов – охват пенсионной системой населения, достаточность накоплений, уже упомянутое использование пенсионных активов в экономике. Как сообщила зампред ЕНПФ Сауле Егеубаева, количество счетов, на которых размер накоплений превышает 5 миллион тенге, составляет не более 1%. А ведь даже 5 миллионов тенге – это не такая цифра, которой хватит человеку на пенсионное обеспечение.

Все эти проблемы не могут быть решены на уровне одного лишь Нацбанка. Здесь пересекаются зоны ответственности и министерства труда и социальной защиты населения, и минфина, и министерства национальной экономики, и министерства по инвестициям и развитию.

При ЕНПФ недавно создан Общественный совет, который провел первое заседание. Это шаг в правильном направлении, однако включение в состав совета политологов и журналистов похоже на популизм. А популизма вокруг пенсионной реформы итак хватает. Проблема заключается именно в депрофессионализации этой сферы. По сути, профессиональным комплексным управлением пенсионной системой сейчас в стране никто не занимается.

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Комментарии

бл. какое нахер доверие? 

енто убогое государство с убогими "силовиками" кот могут ток пиздить своих ж граждан нихуя за гоооды не достигло! ни одного вора не вернули и он не ответил.

Верните и спросите с талапкера. пусть ответит схемы которые мутил и как и с кем делился. сначала зап прошлые фонды спросите. какая нахер вера? в когооо?? 

взяли бляди в привычку "заочное решение" и в хуй забили.

вынесут решение - признают беглого виновным сами по себе и довольны.

а ему - им то до лампочки.

бля америкосы у них б списюкал кто лове- ониб из подвала в ауле красный комбайнер ентого хера нашли б и выдернули. 

и гластно его отимели. а у нас???? 

а у нас дорожает нефте-газзззз.

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20179.13wengdongdong

After unveiling the all-new adidas SPEEDFACTORY AM4 a couple of weeks ago, adidas has now given us official images of Yeezy Sneakers the London colorway.Designed with a range of consumer benefits, such as lightweight stability and a far more sustainable product, the AM4 is a further step in what adidas believes will be the future of the industry with Adidas Yeezy Boost 350 SPEEDFACTORY allowing for the creation of state-of-the-art product made for individual needs using athlete data. Each shoe is co-created using athlete data to help shape the design and development process.Look for the adidas SPEEDFACTORY AM4 to to New Yeezys first release in-store at adidas in London on October 26th, before further launches in Los Angeles (AM4LA), New York (AM4NYC), Tokyo (AM4TKY) and Shanghai (AM4SHA) in 2018.
LTD Edition (Singapore retailer) tag-teams with adidas Consortium to release NMD Runner a deluxe version of the adidas Superstar. Dubbed the LTD Edition x adidas Superstar Burnished Burgundy, this luxury-filler version of the Superstar is said to be inspired from smoking jackets, cigar rooms and the newly refurbished Vault Yeezy Boost 950 store.The LTD Edition x adidas Superstar Burnished Burgundy comes with a bold Burnished Burgundy leather upper paired up with a matching-colored shell toe meant to look like an iconic Chesterfield leather sofa. Other notable features include the Adidas Eqt floral overlays in shades of Green, Red, Gold and Blue that pay homage to South-East Asian techniques. Also giving the shoe even more of a unique look is the choice to remove the Three Stripes branding from Adidas Yeezy Boost the side panels. A White midsole and outsole complete the look of the shoe.Releasing on October 28th, pick up the LTD Edition x adidas Superstar Burnished Burgundy at select adidas Consortium retailers
The adidas ACE 16+ PureControl Adidas NMD Ultra Boost has been a very limited design offered to the public since releasing last year and the soccer-inspired lifestyle is previewed in a new Clay colorway for Fall/Winter 2017. Featuring a greenish hue across its Primeknit Yeezy Boost 350 upper, the clay/sesame color scheme is detailed with matching three stripe branding on the sides and contrasted by a white Boost midsole and rubber outsole to complete the style altogether.Retailing for a price tag of $200, look Eqt Adidas for the adidas ACE 16+ PureControl Ultra Boost Clay at select adidas stores and online on November 2nd. Click and bookmark our Air Jordan 12 Bordeaux hub page now for the shoe’s latest release info and up-to-the-minute Adidas Yeezy Boost 350 V2 updates and images. Always keep it locked to KicksOnFire for the latest in sneaker news and release dates.
adidas wants you to have the EQT Support 93/17 in your rotation all year round which is why they NMD Adidas have created this new rendition of the lifestyle runner with new materials.This adidas EQT Support 93/17 features a new Gore-Tex upper that is meant to protect your feet from the elements during the Fall and Winter seasons. Yeezy Boost 350 V2 Unofficially dubbed the “Reflect and Protect”, this colorway comes done in Triple White all throughout the upper with 3M reflective detailing on the laces and heel tab. Down below we have a full-length white Boost midsole that Yeezy Shoes takes care of the comfort department.At the moment this adidas EQT Support 93/17 Gore-Tex is expected to release on December 26th. Keep it locked to Kicks On Fire for updates.
If you rock with the adidas ClimaCool Cheap Yeezys 02/17 and you’re a female, you might want to check out the latest and greatest from the silhouette. Rocking two new color schemes, the adidas ClimaCool 02/17 comes in Pink (Tactile Rose) and Brown or Brown (Urban Adidas Yeezy Boost 350 V2 Trail) and Pink.Just like every other adidas ClimaCool 02/17 we’ve seen, the shoe is constructed out of a mesh upper done in the aforementioned Pink or Brown. The contrasting color is foun on the tongue branding and Adidas NMD R1 neoprene heel. Below you will find White midsoles and Black rubber outsoles on both options. Said to be women’s exclusive colorways of the shoe, look Yeezy 950 for these new iterations of the adidas ClimaCool 02/17 at select international retailers. Stay tuned for a stateside release.
For the latest adidas Consortium Sneaker Exchange collaboration we see London’s Footpatrol and Hong Kong’s Juice bring the latest installment to life. Together the stores rework two cult classic models resulting in ground-breaking executions upon which both parties leave their firm mark. NMD R1 Above all, with authenticity true to themselves and one another.The two shops have taken the Matchcourt Mid and the Handball Top and given then bold new looks.The Matchcourt Mid is a former basketball shoe embraced by the Adidas Yeezy Boost 350 global skateboard community. Its traditional canvas upper is embellished with boldly colored dragons and further embroidery. The Handball Top has enjoyed a similar route from indoor sports to street icon and as the more low-key of the Yeezy Boost 750 duo, it is delivered with a blue suede upper and a gold-embroidered lining.The Juice & Footpatrol Sneaker Exchange pack arrives with an extensive collection of bespoke souvenir merchandise: lighters, ashtrays, umbrellas, half-half scarves, plates, posters, postcards and NMD XR1 more, all detailed with the names of the two partners.A pre-release at Juice and Footpatrol and via clot.com and footpatrol.com is scheduled for October 28th with a general release at global Consortium accounts coming on November 4th. Adidas NMD Both shoes will retail for a price tag of $160.
Kasina (Korean streetwear store) links up with adidas Consortium to release a collaborative rendition of the semi-new adidas Superstar Boost. The collab pays homage to Kasina’s 20th Adidas NMD For Sale anniversary and takes inspiration from the country’s artisanal heritage.This version of the Superstar comes with a Bone White nubuck upper paired up with a leather shell toe. Other luxe features on the upper include the exposed stitching, Cheap Yeezys the the Three Stripes logo in tonal stitching, Kasina and Trefoil branding on the leather tongue tag, “1997” (the year the store was found) text embroidered on to the lateral side of the heel, Tan leather lining Yeezy Shoes and a Gum-colored sole unit with an exposed Boost placed on the medial side.Look for the adidas Consortium x Kasina Superstar Boost to drop on October 21st. Who’s coppin?
The adidas Tubular Rise is colored in Yeezy Boost 350 V2 cream white for its next colorway this Fall and it’s the newest iteration of the Tubular silhouette so far. Featuring a Primeknit upper structured by a suede midfoot cage and elastic heel counter, the model is detailed Adidas Yeezy Boost 350 V2 with space-dyed neon fibers in the upper textile, alongside a modern, integrated lacing system blending into the shoe’s design. A white EVA midsole with molded stability plugs and a elastic heel counter completes the style altogether.Retailing for Bape x Adidas NMD R1 a price tag of $160, look for this colorway of the adidas Tubular Rise at select adidas stores and online overseas today. A wider release is coming soon. Click and bookmark our Air Jordan 12 Dark Grey Adidas NMD Cheap hub page now for the shoe’s latest release info and up-to-the-minute updates and images. Always keep it locked to KicksOnFire for the latest in sneaker news and release dates.
Above you will find the seven pairs that Yeezy Boost 350 make up the entire adidas Originals Scarlet Red Winter 2017 Collection. The collection will include the adidas EQT Support ADV, Forum PK, NMD XR1, Tubular Doom, Seeulater PK, AF 1.3 and the AF 1.4 PK.As the name Yeezy Shoes of the collection suggests, all seven pairs come with a Scarlet Red color scheme, a hue ideal for the upcoming holiday season. A combination of mesh, Primeknit, neoprene, suede, leather and nylon construction can be spotted on New Yeezys the seven pairs you see above. The tonal Scarlet Red upper is offset by hits of Light Blue, Purple, Black and White strategically placed throughout the shoe. See anything you like? Pick up any of the pairs Adidas Yeezy Boost 350 from the adidas Originals Scarlet Red Winter 2017 Collection beginning October 27th.
Above you will get a first look at the adidas Crazy Explosive Kristaps Porzingis PE. Best part about the shoe? You can actually own a Yeezy Boost 350 V2 pair! Before we tell you how you can do that, let’s see what this PE version of the model is all about.The adidas Crazy Explosive Kristaps Porzingis PE comes in the model’s regular construction that consists of Adidas Yeezy standout features such as the Primeknit upper, sock-like bootie construction, TPU stability wrap, Boost midsole and a rubber outsole wrapping up and around the midsole. Rocking the team colors of Kristaps Porzingis New York team, the shoe New Yeezys 2017 also comes with Kristaps Porzingis’s name on the heel strip to help give it even more of a PE feel.Priced at $150 and limited to 100 pairs, the shoe will release today exclusively at Packer Shoes’s Jersey Yeezy Boost 750 City (382 Marin Blvd). Kristaps Porzingis will be in attendance to meet fans and sign autographs.The event starts at 6 p.m. EST. Customers can begin lining up at 1 p.m. EST.

Best Sellers Shoes: Yeezy Boost 350 adidas nmd Adidas Eqt Support Boost Adidas NMD Human Race Adidas EQT Support 91/16 Yeezy Boost 350 Turtle Dove

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