Aplikovatelnost chilské penzijní reformy na český důchodový systém

Petr Brabec

Diplomová práce

The applicability of the Chilean pension system in the Czech Republic

Anotace:

Chilska penzijni reforma byla velmi uspesnym experimentem, kdyz se diky ni zvysily nynejsim duchodcum rapidne penze oproti situaci, ve ktere by byli v prubeznem systemu, coz me vedlo k posouzeni mozne aplikovatelnosti chilskeho penzijniho systemu na ceske prostredi. V diplomove praci analyzuji zavedeni plne fondoveho systemu v Ceske republice s porovnanim vysledku, tedy zejmena nahradoveho pomeru vuci aktualne platnemu PAYG systemu a take vuci PAYG systemu, ktery by nevytvarel deficit (pres snizeni vyse penzi), s odchodem do penze u vsech variant stejne z duvodu objektivniho srovnani. Dale analyzuji dopady prechodu na plne fondovy system na statni rozpocet a diskutuji vyhodnost takoveho prechodu. Hlavnim vystupem me prace je pak oduvodnene nedoporuceni prechodu na plne fondovy system v Ceske republice z duvodu vysoke narocnosti na financovani a jeho nepravdepodobne vyhodnosti pro vsechny prijmove skupiny.

Abstract:

The Chilean pension reform has been an experiment of great success. Futhermore, thanks to it the current pensions are much higher than they would have been under the old Pay-As-You-Go system. Considering this, I decided to analyze the possible applicability of the Chilean pension system in the Czech environment. In the present diploma thesis I do analyze the potential results (replacement ratio) of the introduction of a fully funded system in the Czech Republic, in comperison with the replacement ratio of the current Czech PAYG system and the modificated Czech PAYG system that would not genarate deficits (through the reduction of pensions) and keep the retirement age same for all variants for the reason of objective comparison. Later, I do analyze the impact to the state budget of the transition to a fully funded system and discuss the advantages of a such transition. The main conclusion of this diploma thesis justifies that the transition to a fully funded system in the Czech Republic is not recommendatory, due to the fact that it requires high state budget funding and there is a great unlikelihood of benefits for all income groups in general.

Klíčová slova

Chile, Ceska republika, PAYG, FF, prubezny system, fondovy system, kapitalove ucty, penzijni system, penze, prechod

Keywords

Chile, transition, Czech Republic, pension system, PAYG, pay-as-you-go system, fully-funded system, FF, capital accounts, pension

Jazyk práce: čeština

Datum vytvoření / odevzdání či podání práce: 1. 6. 2012

Obhajoba závěrečné práce

• Obhajoba proběhla 23. 1. 2013
• Vedoucí: Vojtěch Krebs
• Oponent: Karina Kubelková

Vysoká škola ekonomická v Praze

Magisterský studijní program / obor:
Ekonomie a hospodářská správa / Hospodářská politika