Važnost dobrovoljne mirovinske štednje u Republici Hrvatskoj

master's thesis

• Title (english): Importance of voluntary pension savings in the Republic of Croatia
• Author: Ivan Galić
• Mentor: Jakša Krišto (mentor)
• Committee member: Branka Tuškan (predsjednik povjerenstva)
• Committee member: Alen Stojanović (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2019-09-23, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Kao i mirovinski sustavi mnogih drugih država, mirovinski se sustav Republike Hrvatske suočava sa potencijalnim izazovima održivosti. Nakon mirovinske reforme iz 2002. godine, mirovinski je sustav podijeljen na tri stupa, od kojih su prva dva obvezna i temelje se na individualnoj kapitaliziranoj štednji, te treći stup koji se temelji na dobrovoljnoj štednji od strane osiguranika. Nepovoljna demografska slika i nedovoljna proračunska sredstva su samo neki od faktora koji negativno utječu na funkcioniranje mirovinskog sustava Republike Hrvatske. Stoga se javlja opasnost da štednja akumulirana kroz prva dva stupa više nije dostatna. Iz navedenoga se javlja nužnost okretanja trećem stupu, u smislu dobrovoljne štednje kroz štedne proizvode koje nudi financijsko tržište.
Svrha ovoga rada je ukazati na potencijalne prijetnje koje utječu na neodrživost mirovinskog sustava Republike Hrvatske, te donijeti pregled i pobliže opisati mogućnosti dodatne mirovinske štednje u trećem stupu.

Abstract (english)

Like the pension systems of many other countries, the pension system of the Republic of Croatia faces potential sustainability challenges. Following the 2002 pension reform, the pension system is divided into three pillars, the first two of which are mandatory and are based on individual capitalized savings, and the third pillar is based on voluntary savings by policyholders. An unfavorable demographic picture and insufficient budgetary resources are just some of the factors that negatively affect the functioning of the pension system of the Republic of Croatia. Therefore, there is a danger that the savings accumulated through the first two pillars are no longer sufficient. From the above, there is a need to turn to the third pillar, in terms of voluntary savings through savings products offered by the financial market.
The purpose of this paper is to point out potential threats affecting the unsustainability of the Croatian pension system, and to provide an overview and to describe in more detail the possibilities of additional pension savings.

• Keywords: mirovinski sustav; dobrovoljna mirovinska štednja; mirovinski rashodi; demografska struktura; održivost
• Keywords (english): pension system; voluntary pension savings; pension expenditures; demographic strusture; sustainability
• Language: croatian
• URN:NBN: urn:nbn:hr:148:368734
• Study programme: Title: Business Economics; Study programme type: university; Study level: graduate; Academic / professional title: magistar/magistra ekonomije (magistar/magistra ekonomije)
• Type of resource: Text
• File origin: Born digital
• Access conditions: Access restricted to students and staff of home institution
• Created on: 2019-09-24 11:41:36