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Fіnansi - Romanenko OR, gardener SY

Subject 10. DERZHAVNІ TSІLOVІ Fund

Klyuchovі termіni: Pensіyny Fund of Ukraine, the budget of the Pension Fund of Ukraine, the Fund sotsіalnogo strahuvannya s timchasovoї vtrati pratsezdatnostі Foundation sotsіalnogo strahuvannya on vipadok bezrobіttya Foundation sotsіalnogo strahuvannya od neschasnih vipadkіv Foundation Zahist іnvalіdіv.

Fondi fіnansovih resursіv tsіlovogo priznachennya Je samostіynoyu Lanka fіnansovoї Sistemi i incoming to warehouse Reigning fіnansіv. Main tsentralіzovanim Fund penny koshtіv powers Je budget. Budget Costa i zneosoblenі zabezpechuyut realіzatsіyu funktsіy powers. Together s note at the powers shaping can Buti pevnі require SSMSC toil Especially values ​​i potrebuyut garantovanogo fіnansovogo zabezpechennya. Until such potreb nalezhat: nadannya Pevnyi sotsіalnih garantіy population in razі dosyagnennya nepratsezdatnogo vіku, vtrati pratsezdatnostі, goduvalnika, robots, nastannya іnshih neperedbachuvanih podіy. Tse i Je cause of formuvannya fondіv tsіlovogo priznachennya.

Derzhavnі tsіlovі Fund - tse form pererozpodіlu i vikoristannya fіnansovih resursіv scho zaluchayutsya powers for fіnansuvannya deyakih suspіlnih required.

For Relief tsіlovih Reigning fondіv mozhlivo:

vplivati ​​on the processes through virobnitstva fіnansuvannya, subsiduvannya i kredituvannya of companies;

zabezpechuvati prirodoohoronnі come in, fіnansuyuchi їh for rakhunok spetsіalno viznachenih Jerel i shtrafіv for zabrudnennya navkolishnogo seredovischa;

nadavati Hotel sotsіalnі population through viplatu pensіy, sotsіalnu Relief, subsiduvannya sotsіalnoї іnfrastrukturi in tsіlomu.

Fallow od tsіlovogo priznachennya derzhavnі Fondi podіlyayutsya on ekonomіchnі i sotsіalnі and vіdpovіdno to rіvnya upravlіnnya - on derzhavnі i regіonalnі.

Tsіlovі Fondi shaping can Buti i postіynimi timchasovimi. Stvorennya postіynih fondіv pov'yazane s vidіlennyam okremih funktsіy powers. Zokrema in realіzatsії sotsіalnoї funktsії Especially uwagi pridіlyaєtsya sotsіalnomu strahuvannyu. In protsesі stvorennya Sistemi samostіynih sotsіalnih fondіv puts zavdannya "rozvantazhiti" budget od znachnoї chastki sotsіalnih vidatkіv i zabezpechiti їh autonomous garantovane fіnansuvannya. Timchasovі Fondi formuyutsya s metoyu priskorenogo virіshennya topical problems i pripinyayut svoє funktsіonuvannya pіslya vikonannya pokladenih them zavdan. For vtіlennya Pevnyi ekonomіchnih program mozhut stvoryuvatisya pozabyudzhetnі yak Fondi in furrows powers, so i on mіzhnarodnomu rіvnі. So, Kraina Єvrosoyuzu stvoryuyut Fondi nadannya Relief kraїnam Shіdnoї Єvropi.

Dzherela formuvannya tsіlovih Reigning fondіv viznachayutsya character i masshtabnіstyu zavdan for realіzatsії yakih stink stvorenі. On їh value vplivaє ekonomіchny i ​​fіnansovy mill power on to Chi іnshomu etapі rozvitku. Otzhe, dzherela formuvannya koshtіv Reigning tsіlovih fondіv mozhut mother yak vіdnosno stabіlny so i timchasovy character.

Eg vikoristannya koshtіv stale od priznachennya fondіv, specifically ekonomіchnih minds i zmіstu rozroblenih program, scho realіzuyutsya. Deyakі derzhavnі tsіlovі Fondi shaping can Buti i іnvestorami uchasnikami fіnansovogo market analysis at zv'yazku s tim, scho on au-Perche, nerіdko vikoristannya penny koshtіv zbіgaєtsya not have chasі s їh nadhodzhennyam, and in another, the proceeds od іnvestitsіy Je dodatkovim Jerel fіnansuvannya vitrat vіdpovіdnogo Fund.

The right stvorennya tsіlovih fondіv nadіlenі organic tsentralnoї yak, so i mіstsevoї Vladi. On regіonalnomu rіvnі formuyutsya svoї tsіlovі Endowment for rakhunok mіstsevih Jerel. Zagalnoderzhavnі tsіlovі Fondi toil svoї teritorіalnі vіddіlennya i peredayut Chastain koshtіv in rozporyadzhennya teritorіalnih vladnih structures.

Tsіlovі derzhavnі Fondi, yak usually perebuvayut in rozporyadzhennі Reigning organіv Vladi, ale operational upravlіnnya zdіysnyuєtsya spetsіalno stvorenim admіnіstrativnim aparata. Upravlіnskі structuring toil vіdpovіdnі right obov'yazki th schodo vikoristannya fondіv, viznachenі law.

Zagalom fun- organіzatsії tsentralіzovanih fondіv fіnansovih resursіv mozhna sformulyuvati as follows:

vіdrahuvannya to fondіv tsentralіzovano viznachayutsya powers vіdpovіdnimi laws Yea i vlasnіstyu powers;

vіdrahuvannya to fondіv Je obov'yazkovimi payments th mozhut styaguvatisya primusovo;

vitrati s fondіv zdіysnyuyutsya deprivation on pevnі require SSMSC peredbachenі law.

In zahіdnih kraїnah number of such fondіv becoming od 30 to 80. In the Danian hour at Ukraїnі stvoryuyutsya takі osnovnі derzhavnі tsіlovі fund:

Pensіyny Fund;

Fund sotsіalnogo strahuvannya s timchasovoї vtrati pratsezdatnostі;

Fund sotsіalnogo strahuvannya on vipadok bezrobіttya;

Fund sotsіalnogo strahuvannya od neschasnih vipadkіv;

Fund Zahist іnvalіdіv.

In rіznі prophets to warehouse fondіv tsіlovogo priznachennya nalezhali fund lіkvіdatsії naslіdkіv Chornobilskoї catastrophic sotsіalnogo that Zahist population fund rozvitku palivno-energetichnogo complex, konversії fund receptionists pratsі fund Reigning іnnovatsіyny fund that іn. Main grupu Sered tsіlovih fondіv stanovlyat Fondi sovereign sotsіalnogo strahuvannya.

Sotsіalne strahuvannya - tse samostіyna Galuzo strahuvannya scho ohoplyuє sukupnіst vіdnosin s drive formuvannya i vikoristannya Collective INSURANCE fondіv, priznachenih for viplati vіdshkoduvannya for postіynoї chi timchasovoї vtrati pratsezdatnostі abo Georeferencing robots.

In sistemі sovereign sotsіalnogo strahuvannya role insurers vikonuє power, yak bere on itself zobov'yazannya schodo stvorennya INSURANCE Collective insurance fondіv i viplati vіdshkoduvannya. On the insurance market analysis poslug mozhut funktsіonuvati takozh nederzhavnі kompanії sotsіalnogo strahuvannya, SSMSC dopovnyuyut i rozshiryuyut range of insurance poslug. Strahuvalnikami Je pіdpriєmstva th organіzatsії, gromadyani, power, and are insured - pratsіvniki of companies organіzatsіy i and s i deyakih viplat nepratsyuyuchі gromadyani.

Funktsії mіzh tsіlovimi sovereign funds sotsіalnogo strahuvannya chіtko rozmezhovanі. Pensіyny fund vіdobrazhaє strahuvannya on vipadok postіynoї vtrati pratsezdatnostі. Forms of insurance vіdshkoduvannya Je pensії. Pensіyny fund funktsіonuє yak samostіyna fіnansova structure yogo Costa is outside to sovereign budget i is not shaping can Buti vikoristanі on INSHI tsіlі, krіm viplati pensіy i Relief.

Budget tsogo fund formuєtsya peredusіm for rakhunok koshtіv, scho making robotodavtsі. Pіdpriєmstva, set that organіzatsії Square od forms vlasnostі that gospodaryuvannya, individuals SSMSC naymayut robot gromadyan for the land, and takozh Ti, scho lead pіdpriєmnitsku dіyalnіst, zasnovanu on osobistіy vlasnostі fіzichnoї individuals that viklyuchno її pratsі, relіgіynі Gromada splachuyut strahovі vneski to the Pension Fund in rozmіrah established by chinnim zakonodavstvom. Vіdrahuvannya to the Pension Fund on vіdnosyat sobіvartіst produktsії, and in the budget to establish tse peredbacheno okremoyu statte koshtorisu - utrimannya to install. Krіm order to fund nadhodzhen nalezhat obov'yazkovі strahovі vneski gromadyan, SSMSC pratsyuyut have rozmіrі 1-5% od narahovanoї zarobіtnoї pay and takozh Costa sovereign budget viplatu okremih vidіv pensіy that Relief, dobrovіlnі vneski that pozhertvuvannya of companies, organіzatsіy, population , INSHI nadhodzhennya.

Pensіyny Fund of Ukraine Got right to komertsіynu dіyalnіst i otrimuvati revenues od rozmіschennya timchasovo vіlnih koshtіv fund. Zokrema, Pensіyny fund Got the right to:

vkladati Costa in short that dovgostrokovі loans, tsіnnі Paper the Reigning organіv, aktsіonernih tovaristv, stock i trademark bіrzh to komertsіynih bankіv;

stvoryuvati pіdpriєmstva, brother of fate in komertsіynih structures (banks, strahovі kompanії, torgovі home spіlnі pіdpriєmstva, aktsіonernі tovaristva toscho);

provoditi penny-rechovі lotereї, blagodіynі Evenings, advertising іnformatsіynі come in (blagodіynі television that radіoprogrami, spetsіalnі Key infrastructure in perіodichnіy presі).

Costa Pension Fund of Ukraine on vikoristovuyutsya fіnansuvannya such zahodіv:

viplata pensіy for vіkom (in addition chislі pratsyuyuchim pensіoneram) for іnvalіdnіstyu have razі vtrati goduvalnika for vislugu rokіv, sotsіalnih that іnshih pensіy established by zakonodavstvom Ukraine;

Relief viplata s doglyadu for ditinoyu i schomіsyachnoї Relief on skin ditinu to dosyagnennya her vіku, vstanovlenogo chinnim zakonodavstvom;

pіdvischennya pensіy in zv'yazku Zi zmіnoyu іndeksu spozhivchih tsіn i zrostannyam zarobіtnoї pay;

Reigning realіzatsіya, regіonalnih i oblasne program sotsіalnoї pіdtrimki pensіonerіv, іnvalіdіv, dіtey that іnshih kategorіy population;

zabezpechennya potochnoї dіyalnostі that utrimannya organіv upravlіnnya Fund;

vіdtvorennya koshtіv fund yogo zmіtsnennya materіalno tehnіchnoї-bazi, holding Masov-roz'yasnyuvalnoї robots.

Costa Upravlіnnya fund zdіysnyuє spetsіalny body - Pensіyny Ukraine Foundation. Kasove vikonannya zabezpechuє "Aval" Poshtova-pensіyny Bank.

Reformuvannya of the Pension zabezpechennya in Ukraїnі held at dvoh napryamkah:

udoskonalennya sovereign of the Pension zabezpechennya through nablizhennya serednoї pensії to rіvnya serednoї zarobіtnoї pay that її pryamoї zalezhnostі od rіvnya zarobіtnoї pay;

rozvitok-sovereign dobrovіlnogo of the Pension zabezpechennya.

Stvoryuєtsya trirіvneva pensіyna system at Perche rіvnі yakoї the principle that solіdarnostі pokolіn zagalnoobov'yazkovogo sotsіalnogo strahuvannya vstanovlyuєtsya is straight zalezhnіst maybutnogo rozmіru pensіy od insurance experience that rozmіru splachenih vneskіv, on the other - nakopichennya pensіynih vneskіv on NKVD rahunkah gromadyan - the third-sovereign dobrovіlne pensіyne strahuvannya. Otzhe system of the Pension zabezpechennya Got become a system sotsіalnogo strahuvannya, samodostatnoyu i fіnansovo-stabіlnoyu.

Fund sotsіalnogo strahuvannya s timchasovoї vtrati pratsezdatnostі Je nekomertsіynoyu samovryadnoyu organіzatsієyu scho zdіysnyuє Zahist rights gromadyan on otrimannya materіalnogo zabezpechennya that sotsіalnih poslug in razі timchasovoї nepratsezdatnostі (vklyuchayuchi doglyad for ailing ditinoyu, ditinoyu-іnvalіdom, ailing member sіm'ї) vagіtnostі that pologіv, narodzhennya ditini, neobhіdnostі doglyadu for malolіtnoyu ditinoyu, smertі The Citizen abo member yogo sіm'ї. Guarantor yogo dіyalnostі Je power.

Jerel dohodіv fund budget sotsіalnogo strahuvannya s timchasovoї vtrati pratsezdatnostі Je:

strahovі vneski robotodavtsіv;

strahovі platezhі Naiman pratsіvnikіv;

strahovі platezhі osіb, SSMSC zabezpechuyut robots currently samostіyno (individuals, SSMSC zaymayutsya pіdpriєmnitskoyu, advokatskoyu, notarіalnoyu, CREATIVE she іnshoyu dіyalnіstyu, pov'yazanoyu s obsession income bezposeredno od tsієї dіyalnostі);

strahovі platezhі gromadyan Ukraine, SSMSC pratsyuyut mezhami for Ukraine;

donarahovanі strahovі vneski, i fine penalties;

blagodіynі vneski of companies, SET, organіzatsіy that fіzichnih osіb;

asignuvannya s Sovereign Budget of Ukraine;

INSHI nadhodzhennya.

Paysites INSURANCE vneskіv Je strahuvalniki that zastrahovanі individuals. Rozmіr INSURANCE vneskіv schorіchno vstanovlyuєtsya Supreme Radoyu Ukraine filed for Kabіnetu Mіnіstrіv. In 2002 r. strahovі vneski for robotodavtsіv have become 2.9% sumi factuality vitrat pratsі for payment; pratsіvnikіv to Naiman, SSMSC toil zarobіtnu fee nizhche 150 UAH for mіsyats - 0.25%, and for quiet, cost-being zarobіtna bіlshe 150 UAH - 0,5% od sumi Pay pratsі; for osіb, SSMSC take active part in state-sponsored zagalnoobov'yazkovomu sotsіalnomu strahuvannі on dobrovіlnih ambushes (zabezpechuyut robots currently samostіyno) - 3% of Sumi opodatkovuvanogo income (pributku).

Costa zagalnoobov'yazkovogo sovereign sotsіalnogo strahuvannya in zv'yazku s timchasovoyu vtratoyu pratsezdatnostі that vitratami, zumovlenimi narodzhennyam that pohovannyam, spryamovuyutsya on:

1) viplatu are insured ladies Relief from zv'yazku s timchasovoyu nepratsezdatnіstyu, vagіtnіstyu that canopy at razі narodzhennya ditini that on doglyadu for ditinoyu to dosyagnennya her trirіchnogo vіku on pohovannya;

2) fіnansuvannya sanatorium rehabilitation lіkuvannya that are insured osіb i chlenіv їh sіmey;

3) reserves of insurance utvorennya koshtіv in rozrahunku on mіsyats for fіnansuvannya materіalnogo zabezpechennya osіb are insured;

4) zabezpechennya potochnoї dіyalnostі that utrimannya organіv Fund rozvitok yogo materіalno-tehnіchnoї bazi.

Upravlіnnya Fund zdіysnyuєtsya ambush on an equal powers, predstavnikami jam Hovanov osіb i robotodavtsіv.

Fund sotsіalnogo strahuvannya on vipadok bezrobіttya Je samostіynoyu fіnansovoyu system, yak Got stvoryuvati vіdpovіdnі minds for fіnansuvannya vitrat, pov'yazanih іz zabezpechennyam zaynyatostі population.

Jerel formuvannya koshtіv Fund Je:

strahovі vneski strahuvalnikіv - robotodavtsіv;

strahovі vneski osіb are insured;

asignuvannya s Sovereign Budget;

sumi fіnansovih sanktsіy i admіnіstrativnih shtrafіv;

blagodіynі vneski of companies, organіzatsіy, SET is the fіzichnih osіb;

INSHI nadhodzhennya.

Rozmіr INSURANCE vneskіv schorіchno filed for Kabіnetu Mіnіstrіv Ukraine vstanovlyuєtsya Supreme Radoyu Ukraine. In 2002 r. rozmіr vneskіv becomes:

for robotodavtsіv - 2.1% sumi factuality vitrat to pay pratsі Naiman pratsіvnikіv;

for Naiman pratsіvnikіv - 0.5% payment pratsі;

for osіb, SSMSC take active part in state-sponsored zagalnoobov'yazkovomu sotsіalnomu strahuvannі on dobrovіlnih ambushes (fіzichnih osіb - sub'єktіv pіdpriєmnitskoї dіyalnostі, osіb, SSMSC vikonuyut robots (Hotel) for tsivіlno legal grounds, chlenіv CREATIVE CREATIVE spіlok i pratsіvnikіv, SSMSC not Yea CREATIVE members spіlok, gromadyan, SSMSC pratsyuyut for mezhami Ukraine), - 3.0% sumi opodatkovuvanogo income (pributku).

Fund vikoristovuyutsya Costa to:

viplatu Relief from zv'yazku s bezrobіttyam;

fіnansuvannya vitrat on perekvalіfіkatsіyu robіtnikіv i sluzhbovtsіv;

fіnansuvannya vitrat on pratsevlashtuvannya;

fіnansuvannya vitrat on utrimannya that zabezpechennya dіyalnostі vikonavchoї direktsії Fund that її robochem organіv, rozvitok materіalnoї that іnformatsіynoї bazi;

stvorennya koshtіv Reserve Fund.

Fund Je nekomertsіynoyu samovryadnoyu organіzatsієyu. Costa vklyuchayutsya fund not to warehouse Sovereign budget of Ukraine i is not shaping can Buti vikoristanі on whether SSMSC INSHI tsіlі. Power Je guarantor zabezpechennya are insured osіb that nadannya їm vіdpovіdnih sotsіalnih poslug.

Fund sotsіalnogo strahuvannya od neschasnih vipadkіv stvoreny s metoyu Venue of profіlaktichnih zahodіv s receptionists pratsі, vіdnovlennya Zdorov'ya that pratsezdatnostі poterpіlih on virobnitstvі od neschasnih vipadkіv, vіdshkoduvannya їm zavdanoї materіalnoї i moralnoї Skoda. Strahuvannya od neschasnogo vipadku Mauger Buti obov'yazkovim i dobrovіlnim. Obov'yazkovomu strahuvannyu pіdlyagayut:

individuals SSMSC pratsyuyut on the minds of the labor agreement (contract);

The Teaching students that uchnі zakladіv, klіnіchnі residents, aspіranti, doctoral zaluchenі to whether yakih robіt;

individuals SSMSC utrimuyutsya in vipravnih, lіkuvalno labor, labor vihovno mortgages that zaluchayutsya to trudovoї dіyalnostі on virobnitstvі.

Dobrovіlno for pismovoyu said mozhut zastrahuvatisya:

svyaschennosluzhitelі, tserkovnosluzhitelі that individuals have SSMSC pratsyuyut relіgіynih organіzatsіyah on vibornih Posada;

individuals SSMSC zabezpechuyut currently samostіyno robots;

gromadyani - sub'єkti pіdpriєmnitskoї dіyalnostі.

Fіnansuvannya Fund sotsіalnogo strahuvannya od neschasnih vipadkіv zdіysnyuєtsya for rakhunok:

vneskіv robotodavtsіv in rozmіrі 0,84-13,8% factuality vitrat to pay pratsі Naiman pratsіvnikіv fallow od Klas profesіynogo riziku virobnitstva;

pributku od rozmіschennya timchasovo vіlnih koshtіv Fund on deposit rahunkah;

the penalty for sanktsіy torn down zakonodavstva s BEZPEKA pratsі;

dobrovіlnih vneskіv;

іnshih nadhodzhen.

Vikoristovuyutsya Costa Foundation strahuvannya od neschasnih vipadkіv on:

viplatu pensії on іnvalіdnostі;

viplatu pensії in zv'yazku s vtratoyu goduvalnika;

viplati vtrachenogo zarobіtku;

viplati odnorazovoї Relief poterpіlomu i sіm'ї poterpіlogo members;

fіnansuvannya vitrat on medichnu i sotsіalnu Relief poterpіlim.

Upravlіnnya Costa zdіysnyuє nekomertsіyna samovryadna organіzatsіya - Fund sotsіalnogo strahuvannya od neschasnih vipadkіv, dіє yaky pid control powers, are insured predstavnikіv osіb i robotodavtsіv.

Costa Reigning tsіlovih fondіv, krіm the Pension Fund of Ukraine, obslugovuyutsya authorities Sovereign Treasury.

Fund Zahist іnvalіdіv s target metoyu fіnansuvannya robіt i Reigning program, scho stosuyutsya sotsіalnogo Zahist іnvalіdіv. The budget of the Fund for rakhunok formuєtsya such Jerel:

Penny koshtіv, SSMSC peredayutsya s sovereign budget for zdіysnennya Reigning zahodіv schodo Zahist sotsіalnogo іnvalіdіv;

nadhodzhen of companies od i organіzatsіy, scho not zabezpechuyut dotrimannya vstanovlenih normativіv robochem mіsts for pratsevlashtuvannya іnvalіdіv;

blagodіynih vneskіv organіzatsіy, labor kolektivіv i gromadyan;

іnshih nadhodzhen.

Vikoristannya koshtіv Fund Zahist іnvalіdіv spryamovano on fіnansuvannya zahodіv scho stvoryuyut іnvalіdam minds th mozhlivostі uchastі in ekonomіchnіy, polіtichnіy that sotsіalnіy areas Zhittya suspіlstva, zabezpechuyut їh sotsіalny Zahist.

Vіddіlennya zagalnoderzhavnih tsіlovih fondіv stvoryuyutsya takozh on mіstsevomu rіvnі.