Слабохарактерных россиян насильно загонят в новую пенсионную систему

Слабохарактерных россиян насильно загонят в новую пенсионную систему

ЦБ и Минфин намерены мотивировать людей откладывать на старость

Слабохарактерных россиян насильно загонят в новую пенсионную систему
фото: Геннадий Черкасов

Напомним, индивидуальный пенсионный капитал — это совместный проект Центрального банка и Министерства финансов. Он был представлен общественности в конце сентября 2016 года.

Особенность нововведения в том, что согласно новой пенсионной системе граждане будут автоматически подписываться на отчисления в негосударственные пенсионные фонды (НПФ). Делать взносы могут как работодатели, так и сотрудники.

Между тем в переходный период до 1 января 2019-го у россиян будет возможность самим выбрать НПФ и процент, который они готовы отчислять на свою будущую старость. Причем в этом случае размер взноса не будет ограничиваться.

Для «молчунов» же величина взноса в первый год работы ИПК составит 0%, затем она будет расти на 1% в год, и так пока не составит 6%. От системы можно отказаться или приостановить в ней свое участие на срок до пяти лет.

Впрочем, в ЦБ не исключают, что постепенно планка взноса достигнет 12%. «Должны быть какие-то калькуляторы, которые позволяют человеку прикинуть в сегодняшних ценах, что означает график накоплений. Я думаю, что постепенно, давая гражданину эту ясность, мы подтолкнем его к тому, что это будет не 6%, а, возможно, 12%. Конечно, это зависит от региона, от текущей заработной платы», — заявил первый зампред ЦБ Сергей Швецов.

По его словам, система ИПК отличается одной важной особенностью. «Она преодолевает недостаток финансовой дисциплины каждого из нас. Вы всю жизнь сталкиваетесь с потребностями, и ни одна услуга, кроме пенсионной, не дает вам преодолевать ваши слабости, связанные с характером или обстоятельствами. Пенсионные накопления вас спасают, они есть, но тронуть их нельзя. Это очень важно», — полагает Швецов. По его мнению, этот элемент системы уникален и является одним из самых главных в ней.

«Он преодолевает ваши слабости в желании удовлетворить текущие потребности, которые ограждают вас от возможности накопить на достойную старость», — добавил первый зампред ЦБ.

Таким образом, Минфин и ЦБ хотят мотивировать россиян самих откладывать средства, чтобы достойно уйти на заслуженный отдых. И ведомства понять можно: им нужны «длинные» деньги на развитие экономики. Однако как быть гражданам, доходы которых как известно падают уже два с половиной года?

Прокомментировать для «МК» нововведение мы попросили первого заместителя директора Института актуальной экономики Ивана Антропова.

«ЦБ живет в своем прекрасном мире. У него слабохарактерные люди разбрасываются деньгами направо и налево, беспечно, не заботясь о пенсии и разгоняя инфляцию, а благородный регулятор обо всех заботится. Например, не дает слишком много денег, удерживая стабильно высокую ключевую ставку, и понемногу забирает излишки, поддерживая принудительное введение индивидуального пенсионного капитала. Не отстает от него и Минфин, фантазии которого хватает лишь на то, чтобы придумать очередной новый налог. И это всё, по мнению ведомств, на благо населения. Возможно, в мире чиновников желание питаться, платить за услуги ЖКХ, одежду, медицину, образование – сиюминутные слабости и капризы. Но в реальном мире мы сталкиваемся с постоянно растущими расходами и снижающимися доходами людей. Неспроста по данным Росстата потребление продуктов питания сократилось почти на 9%. Создание ИПК – это фактический дополнительный налог. Смысла в нем нет, ведь и так существует накопительная часть пенсии. Хотите сделать людям хорошо – разморозьте накопительную часть пенсии. Источники средств для этого есть».

Источник: mk.ru

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