Přehled o publikaci

The Czechoslovak old-age pensions were heavily related to final salary. After the Velvet revolution there was a substantial decrease of real bend points in the Czech „pension insurance“. The 1996 reform confirmed the trend to the equalization of pensions by the creation of the „basic amount“ of pensions. The Executive Team for the preparation of the reform (2005) analysed the reform concepts of individual political parties, mainly by the modelling of expenditures and receipts, not by their systemic analysis. The keynote of their activities was the neoliberal „diversification“ of the existing system. They blew away the NDC scheme, recommended by the World Bank to us, with inappropriate parameters. Later the lobbyists᾿ Expert Advisory Forum (2010) concentrated on the support of „diversification“, aiming at the introduction of mandatory pension savings, provided by reformed pension funds. Under the influence of different political and economic interests the Government decided in the end for the „voluntary“ opt-out + add-on, its successful realization was made impossible basically by the very existence of, in a sort of way, a strong supplementary pension insurance and by not permitting the use of life insurance sales model in the new „pension savings“ scheme. Today no political party struggles for a paradigm pension reform, unsystematic partial parametric changes are practised only. We recommend to the Social Democratic Party to leave the neo-liberal pension policy and to re-support the transition to the modern social pension insurance of the NDC type; the social-democratic welfare regime refuses also the state support of the private financial products. The Christian Democratic Party should concentrate on the increase of the role of the social pension insurance and on the unification of the state support of the occupational and personal pension schemes.