1. What is NPF?
Non-State Pension Fund (NPF) - not commercial organization social security, the main purpose of which is the payment of pensions to participants in the systems of non-state pension provision and compulsory pension insurance.
2. How is NPF activity monitored?
System state control.
Due to the high social significance of the NPF, there is an active governmental support. The President and the Government of the Russian Federation have repeatedly emphasized the special role of NPFs in building a stable and developed economy in Russia. At the same time, the activities of NPFs are strictly controlled by the state. Control over the activities of NPFs is legally assigned to the Commissioner Federal Authority. Previously, the functions of this body were performed by the Inspectorate of Non-State pension funds under the Ministry of Labor and social development. Since March 2004, by Decree of the President of the Russian Federation, the main functions for state regulation NPF activities were transferred to the Federal Service for financial markets. In addition, a special department has been created under the Ministry of Health and Social Development, which is responsible for the development of legislation on NPFs.
State measures to regulate the activities of NPFs:
. licensing of NPF activities;
. setting standards for the placement of pension reserves and investment of pension savings;
. establishment of the standard size of the insurance reserve, the procedure for its formation and use;
. operational control over the placement of pension reserves of funds, the fulfillment of obligations assumed by the fund to contributors and participants.
System internal control
Fund Council
supreme body NPF management. Establishes the principles and procedures for the activities of NPFs, approves internal regulations, budget, etc.
Board of Trustees
Controls the observance of the interests and rights of participants, depositors and insured persons.
Audit committee
Carries out an audit financial activities NPF, checks the accounting of receipts pension contributions correct payment of pensions.
internal controller
Internal control must be carried out by an official (hereinafter referred to as the controller) or a separate structural unit (hereinafter referred to as the internal control service). The controller, head and employees of the internal control service, who exercise internal control, are appointed to and dismissed by the board of the foundation. The controller and the internal control service are independent from the executive bodies of the fund and are accountable to the council of the fund.
Interdepartmental control system
Specialized depository
Carries out daily control over the fund's compliance with the composition and structure of the investment portfolio
Auditor
Implements audit financial and economic activities of NPFs
Actuary
Conducts an annual actuarial assessment of the fund's performance to ensure that the fund's pension reserves are in line with pension obligations
3. Is it possible to find out and verify the information about the activities of JSC NPF Atomgarant by yourself?
All information about the activities of the fund is open. You can get it on the website in the section, from the media, on the official website of the FFMS, by directly contacting the Fund's employees. At least once a year, the fund is obliged to inform its contributors, participants and insured persons about the state of their pension accounts. The foundation also publishes its annual report in the open press every year.
4. How is NPF Atomgarant JSC liable for its obligations to depositors/participants/insured persons?
The Foundation is liable for its obligations with all its property.
If you did not find the answer to your question, you can ask our specialists.
The original of this materialElena Zubova
[...] Now NPFs have the status of non-profit organizations, they have founders, but there are no beneficiaries. Who is the real owner of the fund is not always clear, since the founders and actual owners are often completely different organizations. How are ownership transferred? Each fund has an administrator company, which, along with the rights that determine the conditions for the activities of the NPF, is bought by a new owner. At the same time, the real owners of the fund do not bear any responsibility in case of its losses and bankruptcy.
“The former owners began to massively get rid of NPFs, because the money that is drawn on paper is actually not in the funds,” says a source in the government. There are enough buyers. One of them says that after unsuccessful investments and the crisis of 2008, holes in the balance sheets of NPFs can reach 10% (in total 100 billion rubles), but the problems are factored into the price. With adjustments, it is often reduced by two or three times, up to 5% of the value of the property.
At this price, in September 2013, the United Capital Partners (UCP) company of financier Ilya Shcherbovich bought his corporate NPF from Norilsk Nickel (the fund's property is $1.7 billion), renaming it Heritage.
Norilsk Nickel officially announced that the deal amounted to $85 million. Uncovered loss- 600 million rubles, a year earlier - 2 billion rubles. The Fund's main losses were in the second half of 2008, when its board was headed by the current Deputy Prime Minister Olga Golodets. [...]
How do financiers use retirement money? Recently, Lukoil-Garant, for example, bought an 8.8% stake in FC Otkritie itself. Retirement Funds of the purchased NPFs are placed on deposits in several subsidiary banks of FC Otkritie: reserves - in Petrocommerce, savings - in Nomos-Bank and Khanty-Mansiysk Bank. In general, Lukoil-Garant keeps on deposits 70-80% of the amount of pension savings, which is 28% of all pension savings of Russians placed in banks.
One of the significant items in the balance sheets of FC Otkritie banks is transactions with related parties. According to the agency Fitch Ratings, Nomos-Bank in 2012 issued loans to its shareholders for 26 billion rubles, another 53 billion rubles - this is financing of projects related to the ICT group and their partners - development and buying up shares of large corporations. In 2013, the volume of these transactions and the risks associated with them increased, Fitch states. Presence in the pension market is one of the corporation's strategic priorities, the press service of Otkritie said. The corporation declined to comment on the use of pension money to support shareholder projects.
Investments in the business of the founders of NPFs are associated with increased risk and should be limited, according to the Prosecutor General's Office. An example is the investment of DSK-1 and the Company, which, in violation of the law, financed its own construction business for 462 million rubles at the expense of the property of the established NPF Nadezhda (Forbes has audit materials).
Another fund, NPF Semeyny, invested most of the 364 million rubles of pension reserves in real estate through promissory notes of structures affiliated with the founders through management company without a license. The license of the fund itself was revoked in 2012, the money remaining in it might have been enough for pension payments only at the nominal value of the contributions made, but there is no register with customer data. [...]
Non-state pension funds (NPFs) are preparing for the entry into force of the provisions of the law requiring the disclosure of the real owners of NPFs. From the beginning of next year, all funds that work with citizens' savings do not have the right to include non-profit structures (NPOs) among the owners. Thus, a scheme in which the NPF is divided into two and one of them, existing in the form of an NPO, is a 100% owner of the second, will become impossible. However, Gazfond pension savings" and several other funds have found a way to comply with the requirement of the law, and at the same time not disclose the ultimate beneficiaries of the NPF.
The beneficiaries of several large pension savings funds may remain unknown. Kommersant wrote on March 27 that savings funds, whose shareholders are formally non-profit NPFs, are preparing to change their ownership structure. However, there were no details at the time. Yesterday, Andrey Kokin, general director of the NPF Gazfond Pension Savings (whose sole shareholder is the non-profit NPF Gazfond), said that an option is being considered in which a commercial organization that is a subsidiary of the non-profit Gazfond will become the NPF shareholder. "We are discussing this scheme with the Bank of Russia," he specified. Mr. Kokin also reminded that the law does not specify that a non-profit organization cannot be the owner of a commercial structure-shareholder of an NPF.
Until 2014, all NPFs were non-profit organizations and officially had no owners, that is, it was possible to understand who controls the fund only by indirect signs. The reform of the pension system was carried out, among other things, in order to achieve transparency of its participants. Initially, savings funds were required to go public and disclose owners of whatever legal form. At this stage, several funds split up - they separated a fund with pension savings and transformed it into a JSC, indicating a non-profit NPF as a 100% owner (usually it contains pension reserves). According to this principle, such funds as Gazfond (with the spin-off of the NPF Gazfond Pension Savings), LUKOIL-Garant, Surgutneftegaz, Neftegarant, Soglasie, Social Protection (with the spin-off of the NPF Sibirsky capital"), "Atomgarant". But, according to paragraph 5 of part 1 of Art. 19 of the law on guaranteeing the rights of insured persons, which comes into force on January 1, 2016, an NPF is recognized as meeting the requirements of the guarantee system if its shareholders are individuals or legal entities created in the form of an economic society. That is, non-profit structures (for example, non-profit pension funds) cannot be among the shareholders of such an NPF from next year.
According to Ruslan Gabdulkhakov, Executive Director of NPF Surgutneftegaz, the fund's management is currently discussing various options for changing the ownership structure. "This is the corporatization of a non-profit NPF, or the sale of a fund with savings, or the change of a shareholder, a non-profit NPF, to a structure like a closed-end investment fund," he said. "The question is how the regulator will look at each of the options." NPF LUKOIL-Garant has not resolved the issue of changing the shareholder structure. "Neftegarant" reported only that "in due time the fund implements the necessary measures in full compliance with the requirements of the current legislation." However, according to the head of a large NPF, "a variant similar to the idea of the Gazfond Pension Savings is being considered by at least two more funds."
Experts are not sure that such a scheme for disclosing shareholders will fully suit the regulator. “You need to understand what the Central Bank would like to see. Yes, from the point of view of compliance with the letter of the law, everything is in order. But, probably, such a system does not correspond to the spirit of the law: it was assumed that all funds working with savings would show who is the beneficiary and receives benefit from running a pension business," says Sergey Okolesnov, CEO of the Pension Partner consulting company.
The Bank of Russia did not respond to Kommersant's request yesterday.
Chairman of the Board of the PFR
DROZDOV Anton Viktorovich
In 1986 he graduated from the Moscow Financial Institute with a degree in economics.
In 1986, he started working as an economist in the Social Security Financing Department of the USSR Ministry of Finance. Since 1987, he has been an economist at the Department of Financing Healthcare and Social Security of the USSR Ministry of Finance. In 1988, he worked as a senior economist in the Social Development Financing Department of the Ministry of Finance.
From 1988 to 1989 he served in the Soviet Army.
Since 1989, he has held various positions in the Ministry of Finance of the Russian Federation: Leading Economist of the Department of Financial and Social Development, Expert of the 1st category of the Consolidated Monetary and Economic Department, Deputy Head, Head of the Department of Monetary and Financial Regulation of the Ministry of Finance of Russia.
In 1994 he was appointed Deputy Head of the Main Directorate federal treasury Ministry of Finance of Russia.
From July 1999 to July 2008 he worked in the Government Office Russian Federation: Head of the Department of Finance, Deputy Chief of Staff of the Government of the Russian Federation, Director of the Department of Economics and Finance of the Government of the Russian Federation.
Carries out general management of the activities of the Pension Fund of the Russian Federation. Allocates duties, coordinates and controls the activities of the Deputy Chairmen of the PFR Board.
Carries out general management of the activities of the Pension Fund of the Russian Federation. Allocates duties, coordinates and controls the activities of the Deputy Chairmen of the PFR Board. Directly coordinates and controls the activities of: the Audit Commission of the PFR; Case Management Department; Department of Personnel Policy; Department of Public Relations and Interaction with the Media mass media; Department of Legal Policy (in terms of issues related to units supervised directly by the Chairman of the Board of the PFR); Security Department; First department.
He was awarded the "Order of Honor", the title of "Honored Economist of the Russian Federation".
Married, has a daughter and a son.
The first
PETROVA Natalia Vladimirovna
In 1989 she graduated from the All-Union Correspondence Institute of the Food Industry, then the Financial Academy under the Government of the Russian Federation.
Since 1984 she has worked in various positions. He has been working in the Pension Fund system since 1994.
In 1994, she held the position of Deputy Head of the Department for Accounting for Receipts and Expenditures of the Pension Fund of the Russian Federation Branch for the Ulyanovsk Region.
From 1994 to 2002, she held the positions of Deputy Head of Department, Deputy Head of the Main Directorate, Head of Department, Head of the Main Directorate for Accounting and Distribution of PFR Funds of the Executive Directorate of the Pension Fund of the Russian Federation.
From 2002 to 2013, she held the position of Chief Accountant of the PFR - Head of the Treasury Department of the Pension Fund of the Russian Federation.
In 2013, she was appointed Deputy Chairman of the Board of the Pension Fund of the Russian Federation. Since 2018 - First Deputy Chairman of the Board of the Pension Fund of the Russian Federation.
Provides interaction with the Government of the Russian Federation and the Federal Assembly of the Russian Federation. Directly coordinates and controls the activities of: budget department; Treasury Department; Department of financial support of the PFR system; Department of the organization of administration of insurance premiums. Carries out coordination and control of the activities of the territorial bodies of the PFR on issues related to the competence of the supervised structural units of the Executive Directorate of the PFR. Supervises the Central Federal District and the Branches of the Pension Fund of the Russian Federation in Baikonur.
She was awarded a diploma of the Government of the Russian Federation, a diploma of the Ministry of Health and Social Development of the Russian Federation, a diploma of the Pension Fund of the Russian Federation, was awarded the title of "Honorary Worker of the Pension Fund of the Russian Federation", has a letter of gratitude from the Chairman of the Federation Council of the Federal Assembly of the Russian Federation.
Deputy Chairman of the Board of the PFR
KOZLOV Nikolay Borisovich
In 1978 he graduated from the Moscow Financial Institute with a degree in international economic relations.
Doctor economic sciences, Professor.
Since 1978, he has held various positions in the USSR Ministry of Finance.
In 1992, he headed the department of the Russian National Bank.
In 1993, he was an expert at Deutsche Bank.
In 1994 he worked as the head of the Department valuable papers"Entrepreneurship Development Bank".
From 1994 to 2010 he was President, Chairman of the Board of Directors Investment company"Rickom Trust".
Since 2011 - Deputy Chairman of the Board of the Pension Fund of the Russian Federation.
Coordinates and controls the activities of the Department for Organization and Control of Investment Processes, the Department of International Cooperation. It also coordinates and controls the activities of the territorial bodies of the PFR on issues related to the competence of the supervised structural units of the Executive Directorate of the PFR, oversees the Northwestern Federal District.
Deputy Chairman of the Board of the PFR
AFANASIEV Sergey Anatolievich
In 1987 he graduated from the Moscow State University. M.V. Lomonosov.
Graduated in 2000 Russian academy public service.
In 1995, Executive Director of the Foundation "Scientific and Methodological Center "Social and Pension Technologies".
From 1995 to 1996 he was the chief specialist of the Ministry of Social Protection of the Population of the Russian Federation.
From 1996 to 2004, Chief Specialist, Deputy Head of the Department for Pensions of the Ministry of Labor and Social Development of the Russian Federation.
From 2004 to 2010, he held various positions in the Ministry of Health and Social Development of the Russian Federation: Deputy Director, Director of the Development Department social insurance and state support, Deputy Director of the Department for the Development of Social Insurance and State Security, Director of the Department for the Development of Social Insurance and State Security, Director of the Department for the Development of Social Insurance and State Security.
From 2010 to 2013 Chairman of the Social Insurance Fund of the Russian Federation.
Since March 2013, Deputy Chairman of the Board of the Pension Fund of the Russian Federation.
Provides interaction with the Government of the Russian Federation and the Federal Assembly of the Russian Federation. Carries out coordination and control of the activities of the Department of Actuarial Calculations and Strategic Planning, the Office for Work with Appeals of Citizens, Insured Persons, Organizations and Policyholders; Educational and methodological center (on the rights of management). It also coordinates and controls the activities of the territorial bodies of the PFR on issues related to the competence of the supervised structural units of the Executive Directorate of the PFR, supervises the Siberian Federal District.
Deputy Chairman of the Board of the PFR
CHIRKOV Sergei Alexandrovich
In 2000 he graduated from the Moscow State Academy water transport (jurisprudence).
In 2003 he graduated from the Academy of Labor and Social Relations.
In 2005 he graduated from the Russian Academy of Economics. G.V. Plekhanov with the qualification "Master of Business Administration" (MBA).
PhD in Law.
From 1999 to 2000, he worked in various positions in the Social Insurance Fund of the Russian Federation.
From 2001 to 2007 he worked in various positions in the Pension Fund of the Russian Federation.
From 2007 to 2012, Head of the Department for Pensions for Persons Living Abroad of the PFR.
From 2012 to 2018, Head of the Department for organizing the appointment and payment of pensions of the PFR.
Since 2018, Deputy Chairman of the Board of the Pension Fund of the Russian Federation.
Provides interaction with the Government of the Russian Federation and the Federal Assembly of the Russian Federation. Directly coordinates and controls the activities of:
Department for organizing the appointment and payment of pensions;
the Department for Pensions for Persons Residing Abroad; Department of Legal Policy (with the exception of issues related to the jurisdiction of units supervised by the Chairman of the Board of the PFR).
Carries out coordination and control of the activities of the territorial bodies of the PFR on issues related to the competence of the supervised structural unit Executive Directorate of the PFR.
He was awarded a diploma of the Ministry of Health and Social Development, a diploma of the Pension Fund of the Russian Federation, a letter of gratitude from the Government of the Russian Federation, a letter of gratitude from the State Duma Committee on Labor, Social Policy and Veterans Affairs, a medal of the Order of Merit for the Fatherland, II degree.
Member of the PFR Board, Head of the PFR Branch for Moscow and the Moscow Region
ANDREEV Andrei Evgenievich
In 1979 he graduated from the Leningrad University. A.A. Zhdanov.
From 1979 to 1991 he worked in the following positions: inspector, senior inspector of the sector of pensions and benefits, head of the control and audit sector, deputy head of the Social Security Department of the Executive Committee of the Leningrad City Council
From 1991 to 1997 he headed the Department of the Pension Fund of the Russian Federation in Leningrad.
From 1997 to 2001 he headed the Department of the Pension Fund of the Russian Federation for St. Petersburg and the Leningrad Region.
In the period from 2001 to 2002, he headed the PFR Department in the North-West Federal District PFR, and from 2002 to 2003 - the Organizational Department of the PFR.
Since 2003 - manager government agency- Branch of the Pension Fund of the Russian Federation for Moscow and the Moscow Region.
He was awarded the PFR Certificate of Honor, the title of "Honorary Worker of the PFR", was awarded the Badge of the Governor of the Moscow Region "For Useful" and the Gratitude of the Chairman of the PFR Board.
Member of the PFR Board, Head of the PFR Branch for the Republic of Bashkortostan
Khantimerov Foat Galyautdinovich
Graduated from the Faculty of Economics of the Bashkir Agricultural Institute and the Financial Academy under the Government of the Russian Federation in Moscow.
PhD in Economics, Honored Economist of the Russian Federation and the Republic of Bashkortostan.
He began his career in 1968 as a teacher of physics and mathematics at a school. From 1968 to 1973 he was a student at the Faculty of Economics of the Belarusian Agricultural Institute, then he completed full-time postgraduate studies and continued teaching.
Since 1989 - at the party and public work. From 1990 to 1991 - head of the agricultural sector, secretary of the Bashkir Regional Committee of the CPSU, from 1991 to 1994 - deputy chairman of the State Committee of the Republic of Belarus for Management state property, from 1994 to 2002 - Deputy Prime Minister, Minister of Finance of the Republic of Belarus.
Since 2002 - Manager of the Branch of the Pension Fund of the Russian Federation for the Republic of Bashkortostan.
He was awarded the Medal "In Commemoration of the 850th Anniversary of Moscow" and the badge "Excellent financial work RF".
pension fund in financial sector each country plays an important role. It is he who is engaged in the redistribution of national income in many social systems. When wondering how the Pension Fund works, you should first understand what it is. It is a centralized system that aims to correctly distribute and collect funds. He undertakes to provide the standard of living that a person deserves by working for many years on the territory of this state. every month he must pay funds to people who, for one reason or another, are not able to provide for themselves on their own.
An ordinary person rarely asks about the structure of the Pension Fund, believing that this topic is far from his understanding. However, it is still worth familiarizing yourself with the features of the work of this institution in more detail. After all, it directly depends on how rationally and correctly those resources will be distributed. budget resources allocated by the state.
Let's take a brief look at how it works. Speaking conditionally, the mechanism of functioning of this institution is connected with the support of the material welfare of people who are included in the social category. At the same time, the new generation starting to work must make contributions to this structure. Elderly people, on the contrary, due to the fact that they can no longer work, receive a fixed amount every month. In fact, the Pension Fund is an eternal cycle. The article will describe the properties and process of organizing the work of this structure. In addition, the head of the Pension Fund also deserved a few words, but more on that later.
The source of income for the Pension Fund is national payments. It is thanks to them that more and more branches are being created. Playing a leading role special contributions and taxes. Their size is established according to the current legislation.
The largest expense is for benefits. This figure is so high that sometimes the Pension Fund administration wonders where to get the money from. The main source of money is insurance premiums. Each month, employers must pay a fixed amount based on the size of the wages worker. The payment of these funds is strict. In the event that organizations evade payments, the Pension Fund levies this amount of penalties and collects it anyway. The causes of the violation are not clarified, since they do not play a role. Penalty is charged for each calendar day. In the event that the property of the payer was arrested by a court decision, or all financial operations, The pension fund waits for the end of the proceedings and only then sends a request for the transfer of funds. Penalty for this period is not charged.
Before considering the issue of how the Pension Fund works in the field of disbursements, we note that this institution is completely independent. It operates in accordance with the legislation of Russia. The fund must make insurance premiums, finance the population that needs social protection. His responsibilities include organizing the collection process Money from people guilty of causing harm to their colleagues and other residents of the state. If the latter was injured, preventing him from working, the fund is obliged to assign a pension. In addition, its employees control the timely receipt of insurance premiums and how correctly these funds are subsequently used.
A labor pension is a payment of funds that compensates people in need for a salary that, for serious reasons, they do not receive. In the Russian Federation, there are several types of such payments. Let's look at them in more detail:
The main structure of the Pension Fund is the Board. It includes the main functional body - the Executive Directorate. The latter subordinates all the branches that are located in the republics. They are also joined by administrative-territorial and public entities. They are also found in the regions. City and regional structures are authorized by the fund. They are fundraising for social media. insurance, provide various regional programs, monitor the expenditure of money. These departments work directly with citizens.
In addition to the Pension Fund of the Russian Federation, the Ministry of Communications and Labor is responsible for the residents, which appoint, redistribute and deliver funds for payments. The general budget, as well as the main points of expenditure, reports on the implementation of all tasks assigned to the fund are compiled by the Board. It is also guided by the current legislation, as well as the adopted budget for the current year. Head of the Pension Fund (Head of the Board) - Anton Drozdov. This person is an honored worker of the Russian Federation.
Due to the 2008 crisis, the Pension Fund stopped making some payments. In order to get out of this situation, appropriate measures were taken. Although we managed to overcome the shortage of funds, but in 2009 the same problem arose, but to a lesser extent. In 2010-2011 the same thing happens. Each department of the Pension Fund tried to help rationally solve the problem and overcome the effect of the crisis.
Due to the fact that the number of those people who need to pay benefits is increasing, the imbalance of the Pension Fund and the lack of harmony leads to the acuteness of this issue. In order to neutralize the existing problems, the state annually increases the amount of funds transferred to the described institution. Strengthened connection with tax service and a fundraising organization.
Considering how the Pension Fund works, it must be said that in 2010 a transition was made to insurance principles in the field of social payments. Single tax replaced by special payments. This helped to even out the work of the fund, to regulate it, to increase efficiency.
Now Russia has a funded pension system. It allows you to regulate the funds accumulated in the future that a person will receive in old age. The amount of payments directly depends on how long the employee worked, and whether his employer honestly made monthly payments. This allows you to reduce the cost. Thus, what the employer pays does not go towards benefits for other pensioners at that point in time. This money is summed up, and when a pensioner stops working after reaching a certain age, they are paid in a fixed amount.
The accumulative system is considered quite convenient, especially in comparison with the distribution system. This is due to the fact that the money that is paid to a person for retirement is his property, and not the state. This aspect increases the reliability of the system. The accumulative scheme makes it possible to bring the economy back to normal, which is one of the objectives of the Pension Fund.
Management is located near one of the subway lines. It's about Southwest. This branch is the main one in Moscow and the Moscow region, therefore, citizens are accepted here with questions that regional and city institutions are not able to answer. Given the specifics of the work, not everyone likes the Moscow Pension Fund. Its address: Tverskoy Boulevard, 18.
Many people say that some employees are often absent. Phones are not answered. Elevators don't always work. If a person sends a letter or documents, it is best to do this not by mail, but by fax. This is due to the fact that the letter sent to the address will most likely lie for about a month.
The branch is open from 9 am to 5:45 pm every day except Friday. On the last weekday, the institution closes at 16:30. Available and which lasts 30 minutes - until one in the afternoon.
Unfortunately, it is impossible to list all the branches of the Pension Fund in Moscow, but some of them should be mentioned:
As you can see, the structure of the Pension Fund is simple and quite understandable. It should be said that it is quite important how often and honestly the current generation pays all the necessary contributions. Therefore, it is very important because it is not affected by the flow of funds to the country's budget. The main thing to remember is the main thing: the Pension Fund works to protect the interests of the citizens of the Russian Federation.
Good day, dear readers!
Today we continue to talk about the pension system in general and NPFs in particular. I am sure that if you are reading this article, then it obviously interested you not by chance, and you are probably thinking about your next choice, and if you have already made it, then about its correctness. Today's topic of my "brainstorming" concerns the process and regulatory bodies for the activities of NPFs.
This is a very voluminous topic for conversation, which is developing as dynamically as the entire pension system of the Russian Federation. It is also very important for the pension system and for every citizen of the country who will become a pensioner in the future.
He has every right to a decent life at this wonderful age, and for this he is already thinking today whether he did everything right, whether his choice was right, whether he took all measures, whether he took advantage of all the rights and how stable, guaranteed and protected it is in front of everyone external circumstances and time. So, if you are reading these lines here and now, then these are the questions that worry you.
It is common for absolutely all people to doubt, and even more so for people living in Russia. Contacting with a large number of people in my professional activities, I very often encounter not only people's misunderstanding of all the nuances of the PS, but for the most part, these same people's distrust of everything that happens, frequent changes, etc.
So much so that people do not even strive to understand anything, to delve into and understand anything. They have one answer ready for everything: “they will deceive them anyway! they'll take it all anyway! Still, nothing good will come of it! We know - swim! there were many programs of “life insurance”, “savings for children to study”, and what is the result – a default”, etc.
Even in the best case, all the transformations carried out in the country are compared with “MMM” and Mavrodi is cited as an example, they say, there was already one such, he collected all the money and “goodbye”! It is worse when, in general, they do not trust their state! And you can’t blame them for this, they lived in their country during all these times and continue to live and work in it, no longer hoping for anything and not trusting anyone, because of how many times they became deceived and “robbed” by this the country itself.
I, in turn, want the current situation to change and people to have trust, a desire to know / understand and the desire to build their own bright future, and not rely on someone and at the same time trust them to manage their lives. Make the right choice, make it yourself and make it based on your own knowledge.
That is why today I will try to tell you in detail about the regulation of the activities of NPFs, in order to increase your confidence in these organizations. The regulatory system now, like the entire software system, is undergoing Big changes tightening control. This was started in 2013 and it was laid just to increase the confidence of citizens in insurers.
I have already described the main changes in the work of NPFs in 2015, including the entry into the guarantee system, you can read more about this. Today, in continuation of the topic of tightening control activities, I will talk about the types of control, by whom it is carried out and for what purpose.
To begin with, what kind of control over the activities of NPFs does exist. It is subdivided according to the participants in this activity:
State control is carried out by the following departments:
I am sure that you have often heard such definitions as “social bloc” and “economic bloc” when discussing many pension topics in the media. So the PFR and the Ministry of Health and Social Development belong to the "social bloc", while the Ministry of Finance and the Bank of Russia belong to the "economic bloc". I think now it is clear who is to whom, and why you are sure, you also understand.
Until 2013, this activity was carried out by:
Control is carried out on the following types of activities: APF; OPS; professional pension insurance(PPS). It is carried out for all types of activities, as you can see, and between all participants (NPF, UK, special depositories, actuary). The Central Bank / Bank of Russia checks the compliance of NPFs with licensing requirements and compliance with the legislation by the fund. The funds, in turn, provide supervisory authorities with monthly operational reporting, as well as specialized reporting based on the results of each quarter and year.
External control is produced by:
These organizations can only control and transfer the information received to the state control bodies, which in turn have the right to apply measures to prevent illegal activities. Each of the listed participants is engaged in extensive activities in software, detailed consideration which we will omit today.
Public control over the activities of the funds is exercised by the Board of Trustees of the NPF. It is created by each fund to oversee the activities of the fund and protect the interests of depositors. It includes authorized representatives of contributors, participants and insured persons who own half of the votes.
Internal control over the activities of the fund is carried out by an official or a service created for this purpose, which regulates the legality of the activities of the fund. As well as the audit commission of the fund, created to ensure operational control over the activities of the executive body of the NPF.
Customer control: contributors, participants, insured persons have the opportunity to independently control the completeness of the reflection by the fund of contributions to pension accounts, which is provided at least once a year. The NPF also annually publishes annual reports in the media.
Since 2014, the reporting requirements for NPFs have been tightened. This is primarily due to the general economic situation and a reminder of the negative indicators on the accounts of NPF depositors that arose as a result of the 2008 crisis. The mega-regulator represented by the Bank of Russia thereby reminds NPFs that, despite the fact that they are private structures, they are primarily engaged in socially significant activities for the country as a whole.
Thanks to the emergence of the so-called mega-regulator on the market, all participants noted positive trends, due to the fact that one regulatory body to a greater extent adheres to one concept of vision of activity and its regulation that is understandable to all. Unlike the previous system. As everyone knows, the more inspectors, the more discrepancies in requirements, the more confusion.
And for us, the most important thing is the guarantee of the safety of our savings, which is given over a long period of time.
All the measures taken, such as entering the guarantee system with the participation of the DIA (deposit insurance agency), corporatization of NPFs, tightening reporting, expanding the activities of the mega-regulator, etc., all this is aimed at “whitewashing” the activities of NPFs, putting things in order in the existing system, the so-called purge of the ranks and, most importantly, an increase in the degree of confidence of citizens in new system ON.
I hope that after reading this article you have gained confidence that your savings are or will only be under reliable protection and in serious management. And this will contribute to the return of faith in their state and in the systems that are being created in it.
And that's all for today! and you will always be aware of pension events and changes! Goodbye, my dear readers!
