Mirovinski sustav Republike Hrvatske

master's thesis

• Title (english): Croatian pension system
• Author: Anja Grašić
• Mentor: Fran Galetić (mentor); MBZ: 290105
• Committee member: Mihovil Anđelinović (predsjednik povjerenstva)
• Committee member: Maja Mihelja Žaja (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; Zagreb
• Defense date and country: 2019-09-26, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Mirovinsko osiguranje predstavlja osiguranje od rizika starosti, invalidnosti i gubitka hranitelja, zbog čega je nužno da mirovinski sustav svake zemlje bude učinkovit. Mnogobrojne demografske, gospodarske i socijalne promjene na tržištu Republike Hrvatske utječu na održivost cjelokupnog mirovinskog sustava, visinu mirovina i pravednost u raspodjeli sredstava. Rastući broj mladih koji napuštaju Hrvatsku dovodi do smanjenja broja zaposlenih na kojima počiva održivost ukupnog mirovinskog sustava. Usto, razvojem medicinskih znanosti produljen je životni vijek, pa je posljedično povećan udio osoba starije životne dobi, što uz smanjenje radne snage dodatno povećava rizik neodrživosti sustava. Problem predstavlja i privatno vlasništvo obveznih mirovinskih fondova, zbog čega se nerijetko postavlja pitanje zastupaju li više interese vlasnika ili osiguranika. U Hrvatskoj je kroz povijest provedeno nekoliko reformi, no aktualni problemi povećavaju potrebu za novima.

Abstract (english)

Pension insurance is an insurance against risks of old age, disability and death of a breadwinner, which makes it necessary for every country's pension system to be effective. Many demographic, economic and social changes in Republic of Croatia affect the sustainability of the whole pension system, the amount of pension and fairness in pension distribution. The increasing number of young people leaving Croatia causes a decrease in the number of employees on whom the sustainability of the whole pension system rests. Also, the development of medical sciences has extended life expectancy, which increases the risk of system unsustainability. Private ownership of mandatory pension funds presents an additional problem, which often raises a question whether they represent the interests of owners or insured persons more. Some reforms were made in Croatia during the past, but current problems increase the need for a new one.

• Keywords: Mirovinski sustav; mirovinska reforma; demografske promjene
• Keywords (english): Pension system; pension reform; demographic changes
• Language: croatian
• URN:NBN: urn:nbn:hr:148:861062
• 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: 2019-09-26 20:31:13