Uloga privatnih mirovinskih osiguratelja u suzbijanju siromaštva kod stanovništva treće životne dobi

master's thesis

• Title (english): The role of private pension insurants in combating poverty of the third age population
• Author: Ana Tomić
• Mentor: Maja Mihelja Žaja (mentor); MBZ: 295693
• Committee member: Dajana Barbić (predsjednik povjerenstva)
• Committee member: Mihovil Anđelinović (član povjerenstva)
• Granter: University of Zagreb; Faculty of Economics and Business; (Department of Finance); Zagreb
• Defense date and country: 2021-09-13, Croatia
• Scientific / art field, discipline and subdiscipline: SOCIAL SCIENCES; Economics; Finance

Abstract

Prema definiciji Svjetske banke siromaštvo je „izrazito lišavanje blagostanja“, te se siromašnima smatraju oni koji nemaju dovoljan dohodak za egzistenciju iznad praga siromaštva. Usko se povezuje uz nedostatak novca, sigurnosti, socijalnog prihvaćanja i zdravstvene probleme. Skupina ljudi od 65 i više godina najosjetljivija je na rizik siromaštva i socijalne isključenosti te starije osobe diljem svijeta nakon umirovljenja žive ispod praga rizika od siromaštva. Stoga mirovinski sustav ima nepobitnu ulogu u sprječavanju nastanka siromaštva u starosti, bez njega je nezamislivo održavati i razvijati moderno društvo te postoji gotovo opća suglasnost o njegovoj važnosti u svijetu. Jedan je od temelja socijalne sigurnosti svake države te ima za cilj izgladiti potrošnju kroz životni vijek osiguranika, osigurati dostojna mirovinska primanja koja bi trebala jamčiti minimalan životni standard i omogućiti umirovljenicima zadržavanje životnog standarda koji su imali tijekom radnoga vijeka. Uzevši u obzir demografske promjene, nejednaku razvijenost financijskog sustava diljem svijeta mirovinski sustavi mnogih zemalja, uključujući Republiku Hrvatsku, suočavaju se sa problemom upitne dugoročne financijske održivosti mirovinskog sustava utemeljenog na međugeneracijskoj solidarnosti. Stoga se postavlja pitanje pronalaska rješenja u privatnom mirovinskom osiguranju. U privatnom mirovinskom osiguranju puno je veća povezanost samoga pojedinca i uplaćenih doprinosa, rizika i usluga osiguranja. Prebacivanje odgovornosti za financijsku stabilnost u starosti sa države na pojedinca izrazito je važno, a razvoj privatnog mirovinskog osiguranja povoljno utječe i na razvoj financijskog tržišta. Iz tog je razloga takav oblik štednje za starost najčešće potican od strane države u vidu poreznih olakšica. Cilj rada je detaljnije istražiti kako privatni mirovinski osiguratelji mogu doprinijeti smanjenju siromaštva osoba treće životne dobi, s obzirom na to da je riječ o situaciji u kojoj bi se svatko mogao naći u starosti.

Abstract (english)

According to the World Bank's definition, poverty is a "marked deprivation of well-being", and those who do not have sufficient income to live above the poverty line are considered poor. It is closely linked to lack of money, security, social acceptance and health problems. The group of people aged 65 and over is most vulnerable to the risk of poverty and social exclusion, and older people around the world live below the at-risk-of-poverty threshold after retirement. Therefore, the pension system has an undeniable role in preventing the development of poverty in old age, without it it is unthinkable to maintain and develop a modern society and there is an almost general consensus on its importance in the world. It is one of the foundations of social security in every country and aims to smooth consumption throughout the life of the insured, provide a decent pension that should guarantee a minimum standard of living and enable retirees to maintain the standard of living they had during their working life. Because of demographic changes, uneven development of the financial system around the world, the pension systems of many countries, including the Republic of Croatia, face the problem of questionable long-term financial sustainability of the pension system based on intergenerational solidarity. Therefore, the question arises of finding a solution in private pension insurance. In private pension insurance, there is a much greater connection between the individual and paid contributions, risks and insurance services. The transfer of responsibility for financial stability in old age from the state to the individual is extremely important, and the development of private pension insurance has a favorable effect on the development of the financial market. For this reason, this form of old-age savings is most often encouraged by the state in the form of tax breaks.The aim of this paper is to investigate in more detail how private pension insurers can contribute to reducing the poverty of the elderly, given that this is a situation in which everyone could find themselves in old age.

• Keywords: siromaštvo; socijalna isključenost; mirovinski sustav; privatno mirovinsko osiguranje
• Keywords (english): poverty; social exclusion; pension system; private pension insurance
• Language: croatian
• URN:NBN: urn:nbn:hr:148:972850
• Study programme: Title: Business Economics; Study programme type: university; Study level: integrated undergraduate and 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: 2021-09-20 17:41:33