Lokusula capital lomzali. Xa ingenzeki capital lokubeleka?

Emva ngo-2007, amanyathelo athathwa yi kwezobuRhulumente belizwe lethu ukwandisa izinga ukuzalwa kweli lizwe ukuze kuphuculwe imeko yezibalo. Sithetha eyinkunzi ngosana. Eneneni, iintsapho ezininzi ziye bafumana inkxaso yokwenene yemali evela kurhulumente. Namhlanje, isihloko isoloko kuvuswa xa eyinkunzi umzali iya kurhoxiswa. Amarhe ngesi siganeko ngokushushu kuphikiswana, kodwa abanikazi isiqinisekiso bazama ukusebenzisa imali ngokukhawuleza kangangoko kunokwenzeka. Kodwa kufuneka uqale ukuqonda imeko yangoku, kunoko, kufuneka kuqatshelwe ukuba ngelixa iziphumo kwakusasa, ngokuba uninzi ukuthetha - yinto engento, ukuhleba unsubstantiated.

Kuba abanini isiqinisekiso

Ukuba unelungelo kwinkunzi lokuya kubeleka sele yamkelwe, oko kukuthi, isiqinisekiso sele ukhutshiwe sele, ngoko akukho sizathu sokuba ukhathazeke kodwa. Ingasetyenziswa emva konyaka, naxa irhoxisiwe capital kubeleka nenkqubo karhulumente. Ngapha koko, ku tiva ingeniso kuba ngaphambi xa umntwana iminyaka emithathu ubudala. Kodwa kwenzeka nje, ukuba usapho ayihlawuli-mboleko, okanye inkxaso karhulumente kuthetha ungasebenzisa ngoko nangoko.

Ezinye iimeko ukuphunyezwa isiqinisekiso ziye ayikatshintshi. Kunjalo oko kuthetha ukuba kuphela ukulahla ukuthenga (ulwakhiwo) lwezindlu, imfundo yabantwana, okanye nizalise inxalenye inkxaso ye pension yabasebenzi unina.

Namhlanje, ezininzi iintsapho abo kubonelelwa ngendawo yokulala, ngoko bachithe imali karhulumente yaye akayi ukubamba isiqinisekiso de amaxesha ngcono. Kodwa kwangaxeshanye izalwa ukuba ibaluleke eyinkunzi umzali, ngoko ke anganikwa ilungelo lokuba achaze inkxaso. Logama nje akukho mfuneko yokuba ukothuka.

Ukuba Isiqinisekiso okwangoku, kodwa umntwana ezelwe

In izatifikethi 2016 ngoku zikhutshelwa kwiintsapho apho kwakukho umntwana wesibini okanye amawele. kodwa akukho nto iye yatshintshwa kwi-mthetho, ngoko ke kunokwenzeka yaye kuyimfuneko ukuba kukhutshwe isiqinisekiso ukuba kulungile ukwenza.

Enyanisweni, ukususela kunyaka ophelileyo kwaye amarhe ukuba amagosa Sicebisa ukuba yokuphelisa capital maternity ukugcina mali ngenxa yobunzima. Kodwa ke ngo-2016, izatifikethi okunene ezikhutshiweyo, kodwa imali karhulumente xa kuthelekiswa nonyaka ongaphambili asiguqukanga, kuba akukho nto indexed.

amarhe nje mayelana capital lokubeleka

Ekuqaleni, kokugqitywa kwenkqubo yayisaziwa - December 31, 2016. Kodwa ukuba capital umzali kucinywa kwaye xa kanye akwaziwa. Ukuba akukho izigqibo entsha inxalenye urhulumente akuyi kwamkelwa, kuyimfuneko ukubambelela osikiweyo.

Eneneni, kwi State Duma nakanye siphakamise umba ukwandiswa karhulumente lwenkqubo, kwaye okona kubalulekileyo - ukutshintsha iimeko ukuze kuphunyezwe mali. Kodwa ezi sixoxa nje. Yintoni ekugqibeleni iya kufika urhulumente kunzima kuthi.

Kodwa kwilizwe lethu, ukuthetha malunga nokupheliswa eyinkunzi umzali musa kupheza phakathi kwabantu. Bathi lukhulu, abanye bakholelwa ukuba ekupheleni kwenkqubo nyathelo liya kusebenzisa le mali ayikwazi, abanye bakholelwa nemihla ziya kwandiswa. Akubanga ezixabisa ukukholelwa intlebendwane ayinasihlahla. Xa umthetho yamkelwe, ngoko kuphela kuya kuba lula ukufikelela kwizigqibo.

Ukuqashisela namarhe

Ekubeni yokurhoxiswa eyinkunzi umzali ebangele eninzi iincoko ezahlukeneyo unako, namhlanje usiva imibono zilandelayo phezu kwabemi belizwe lethu;

1. Kwixesha elizayo, abathathi-nxaxheba program iya kuba kuphela kwiintsapho ezihluphekileyo, okt inxalenye neediest yabemi.
2. ngqo eyinkunzi umzali iya kuba yinxalenye ezixhaswa ngemali ye pension nje kuphela unina kodwa uyise.
3. Uncedo-mali kufuneka kubonelelwa kuphela xa kuzalwa umntwana, lo ungowesibini, kodwa bonke abantwana ezilandelayo entsatsheni.
4. Iindlela ukuphumeza mali ziya obungafaniyo ngakumbi, oko kukuthi, ukuthumela imali kuba izindlu nje kuphela, imfundo yabantwana okanye noomama umhlala-phantsi.

Kodwa umongameli welizwe lethu akunjalo kwakudala wavakalisa isikhundla ukupheliswa eyinkunzi umzali kuya kukhokelela ukuvela kwezinye iindlela zenkxaso yoluntu nabemi kunye akukho wumbi. In the State Duma wabeka phambili iingcebiso ezininzi, kodwa akukho izigqibo eziphathekayo kodwa.

Chithani imali ngoku okanye ukuba ulinde

oomama abaselula abaninzi yokothuka, ukuba ufuna ukusebenzisa ngoku eyinkunzi umzali okanye ulinde ithutyana elide. Ukuba capital sikanina irhoxisiwe, oko akuthethi ukuba le mali ziya kulahleka, nje ayeke ukukhupha iziqinisekiso emva kokuphela kwale nkqubo karhulumente.

Kwezinye iintsapho, akukho mfuneko yokuba uchithe imali ngoku, kodwa kwixesha elizayo baya kufumana ithuba lokuba ukuhlawulela imfundo yabantwana, nto leyo kakhulu ithemba wamlinga. Kodwa kule minyaka le meko kweli lizwe uyakwazi ukutshintsha kakhulu, oko kukuthi, kunokwenzeka ukuba, ngokomzekelo, silindele ukuba olungagqibekanga, ihlelo le engange, ukukhula kwamaxabiso kwakunye nokunye okuninzi. Ngenxa yoko, sonke siyazi ukuba imali ukuya kuthi ga kunokulungiswa.

Ngokubanzi, kunzima ukuba isigqibo inyathelo ukuthatha ngoku, ngenxa yokuba kungekho impendulo engqalileyo kumbuzo: ziya rhoxisa xa ikomkhulu lokubeleka kunye nokuba uya kuba isatifikethi - akukho. Kusenokuba khawuzame ngelixa mandikhawulezise aze alinde de imeko icaca, nalapho ke kuphela ukuba athathe amanyathelo ngokukhawuleza.

Yini izikhulu

Kukho nje ngezi meko ezimbalwa ukuba amagosa ngabo namhlanje.

Ukuza kuthi ga ngoku, le meko demographic kweli lizwe iye yazinza, ngokulandelelana, inkqubo umsebenzi iye yenziwa kwaye yenza akukho ingqiqo ukuze uqhubeke.

Kufuneka ukuba ukwandisa inkqubo phambi kwexesha elimisiweyo logama nje ingqiqo yentsapho nkqubo eRashiya, oko kukuthi, de 2025.

Kuyimfuneko ukwenza inkqubo yenkxaso eziphathekayo kwiintsapho kunye nabantwana ababini okanye nangaphezulu elingunaphakade, kodwa bambalwa izimvo ezinjalo.

Kutheni capital lokubeleka ukurhoxisa

Kukho izizathu eziliqela ezinokubangela ukuba rhoxisa imali eyinkunzi ngosana. Ukuba ungalindela ntoni ezingxamisekileyo - bengaziwa, kodwa kucacile ukuba ukwandiswa kwenkqubo buphazamisana nengxaki yehlabathi. Oku ezisitheleyo kwilizwe lethu ngomzuzu intsilelo mali, nto leyo nzima intlawulo izatifikethi.

Isizathu sesibini ebalulekileyo ngenxa yokurhoxiswa eyinkunzi lomzali njengoko amanyathelo enkxaso karhulumente - na maqhinga amanyathelo. Ngapha koko, inkqubo ekujoliswe kulo, uze usebenzise imali ngokubona yabo ayikwazi, kodwa abaninzi ziyaphumelela. Nangona ukuba imiyalelo yokusebenzisa isiqinisekiso bekuya kuba izenzo ezinjalo bekuya kuba maxa wambi ngaphantsi.

Kodwa kufuneka sivume ukuba amanyathelo enkxaso Bill karhulumente kufuneka ilungiswe. Oku, naye, ithe ngokuphindaphindiweyo. Kuya kubakho yokurhoxiswa eyinkunzi umzali okanye hayi, utshintsho ebalulekileyo iimeko ziya kuba kwixesha elizayo.

nemiphumela usenayo

Kuyo nayiphi na imeko, uncedo lwemali ukuze iintsapho ziya kunikwa, kodwa akunyanzelekanga ukuba le program iya kuba eyinkunzi umzali. Iintsapho ezininzi bayoyika ukuba ekupheleni kwenkqubo abasayi kuba nako ukufumana inkxaso evela kurhulumente, kodwa kulilize. Mhlawumbi, phezu koko, ukuba ibaluleke eyinkunzi kubeleka, ngoko ukuba uRhulumente ukunika uncedo eziphathekayo ngohlobo izibonelelo, izibonelelo noncediso-mali.

Kwelinye icala, kusenokwenzeka ukuba esezantsi inqanaba wenzala kweli lizwe, nangona ayikho yinyaniso. Kwelinye icala, kwinqanaba abantu abaqhelekileyo ukupheliswa eyinkunzi maternity akufunekanga zikhonjiswe. Impendulo akukho kwaye akayi kuba kude kuye kutsho ubuncinane ekupheleni kwalo nyaka.

isiphelo

Namhlanje, kwi web uyakwazi ukufumana uqikelelo eziliwaka ngalo mbandela, yaye nganye kuzo ezisekelwe kuphela hunches, akukho lwazi esemthethweni ekhoyo. Nangona iSebe bebangisana ngawo imfuneko yokuphelisa capital kubeleka, isenzo yowiso asityikitywanga, ke ngoko, nako ukulinda kuphela.

Namhlanje, iintsapho ukufumana nokuzalisekisa indlela kwenkunzi umzali ngokungqinelana nomthetho osebenzayo. Ukuba imfuno engxamisekileyo kwemali nje intsapho nto, ungakwazi ukulinda. Kuyo nayiphi na imeko, ukuba urhulumente wethu ugqiba yokuphelisa inkqubo karhulumente, okanye limise iintlawulo, abemi kuza kunyanzeleka ukuba asebenze ngaphakathi komthetho.

Amarhe - oko kukuthi akukho sizathu samazwe ukuba isilingo imali isatifikethi kwaye babandakanyeke kwizikim inkqatho, kuba ke ngoko kufuneka ukuba bathathe uxanduva ngezenzo zabo.