Zhukova Tatiana
Международный опыт финансирования пенсий самозанятых // Финансы: теория и практика. 2022. Т. 26, № 1. С. 169-185. DOI 10.26794/2587-5671-2022-26-1-169-185.
Publication Type:
Rubric:


ISSN 2587-5671

DOI 10.26794/2587-5671-2022-26-1-169-185

The rapid development of modern self-employment, the massive transition from employment to self-employment and vice versa is a challenge for traditional pension systems. The Organisation for Economic Co-operation and Development (OECD) responded by adopting compulsory state pension schemes for the self-employed shared with employees. Russia following global trends with a small-time lag, unlike others, provides an unconditional guarantee of social pensions. It is all the more important to study the advanced international experience in attracting the self-employed to pension insurance. This is the aim of the study. Research tasks are as follows: to identify different approaches to organizing pension insurance for the self-employed across OECD countries, to examine the mechanisms and factors arising, and to evaluate their performance. The research method is cluster analysis of the generated self-employed pensions parametric indicators database according to OECD data (2019-2021) (18 indicators as part of clustering, architecture, finance, performance factors) for 28 countries. The study identifies 3 clusters (approaches) to the organization of pension provision for the self-employed: 1 - employee-like mandatory contributions to state pension schemes; 2 - mandatory contributions with advantages; 3 - voluntary pension contributions with advantages. In general, none of the approaches can be called “the best”. The effectiveness of pension decreases with any form of low-income self-employed inclusion in income-based pension schemes, as well as dependent self-employment. The author concludes that for Russia alternative options for self-employed pensions are quasi-mandatory pension insurance, self-employed employee-like participation in voluntary funded pension schemes only, state co-financing, practical training in financial literacy without going into the depth of financial knowledge. Discussion for further research is a detailed study of the application of the results into self-employed pension insurance practice in Russia.


Keywords: self-employed | pension financing | cluster analysis | parametric characteristics | minimum income | theoretical pension | relative pension level | contribution rate |

Russian Science Citation Index



OTHER PUBLICATIONS ON THIS TOPIC

Zhukova Tatiana, Mirkin Yakov
Self-Employed Finance in the New Russian Economy

Zhukova Tatiana
The Second Wave of Pension Reforms (2009–2019): Transformation of Pension Systems Projection

Zhukova Tatiana
Самозанятые и их влияние на современную архитектуру пенсионных систем // Финансы. Деньги. Инвестиции. 2020. № 2. С. 21-27. DOI 10.36992/2222-0917_2020_3_21.


Современные регионы, промышленная политика; кластерный подход. М., ИМЭМО РАН, 2005, 27 п.л.

Setkaliev Roman
Базовый доход в развивающихся странах: эффективность и перспективы // Общественные науки и современность. 2020. № 5. С. 93-106. DOI 10.31857/S086904990011007-9.

Kvashnin Yuri
Зарубежные эксперименты с безусловным базовым доходом: подходы, результаты, интерпретации, уроки для России // Уровень жизни населения регионов России. 2021. Т. 17, № 3. С. 314-326. DOI 10.19181/lsprr.2021.17.3.2.

Aukutsionek Sergey , Egorov Andrei, Serzhantova Tatyana, Belyakov Stanislav
Хозяйственное обозрение (октябрь 2020 - январь 2021 гг.) // Экономическое развитие России. 2021. Т. 28, № 1. С. 16-23.

Aukutsionek Sergey , Egorov Andrei, Serzhantova Tatyana, Belyakov Stanislav
Хозяйственное обозрение (ноябрь 2020 - февраль 2021 гг.) // Экономическое развитие России. 2021. Т. 28, № 2. С. 30-37.

Aukutsionek Sergey , Egorov Andrei, Bashirova Inessa, Belyakov Stanislav
Survey of Current Business (June:September 2020)


Clusters in the US: the role and place of small business

Kvashnin Yuri
Доход от гражданства в Италии: революция в социальной политике или дань популизму? [Текст] / Ю. Д. Квашнин // Научно-аналитический вестник Института Европы РАН. – 2019. – № 6. – С. 66-73. DOI: 10.15211/vestnikieran620196672.

Kapelyushnikov Rostislav
Универсальный базовый доход: есть ли у него будущее? // Вопросы экономики. 2020. № 8. С. 95-127. DOI 10.32609/0042-8736-2020-8-95-127.

Kvashnin Yuri
Basic Income for the European Countries: From Theory to Practice

Studentsov Victor
Solidarism or Distributism? On Domestic Concept of the Solidary Economy

Sigachev Maxim, Kutergin Vasily, Fadeyev E.
Базовый безусловный доход: новые направления современной социальной политики // История и современность. 2021. № 2 (40). С. 64-74. DOI 10.30884/iis/2021.02.03.

Popova M.
Кластеры в США: роль и место малого бизнеса [Текст] / М.Л. Попова // Международная экономика. – 2017. – № 5-6. – С. 24-30.

Kapelyushnikov Rostislav , Demina Natalia
Consumption of Cultural Goods in Russia: Scale, Determinants, Differentiation

Gracheva Mariya
Прямые инвестиции России в Германии: анализ статистики Германского федерального банка / М.В. Грачева // Экономический анализ: теория и практика. – 2012. – № 5. – С. 16–21.

Entov Revold
Large-scale reluctant privatization: Contradictions and challenges under sanctions

Gracheva Mariya
Прямые инвестиции Германии в России: анализ статистики германского федерального банка / М.В. Грачева // Экономический анализ: теория и практика. – 2012. – № 44. – С. 23–32.
Related publications


Comments (0)

No comments

Add comment







First news
Institute News
08/07/2025

The next issue of the MEMO Journal (No. 7, 2025) is published. The leading place in it is occupied by articles on economic issues. 

more...

01/07/2025

The journal “Russia in Global Affairs” (No. 3 2025 July/September) published an article by Alexander Lomanov “Chinese Civilizational Alternative to the Western Development Model”.

more...

Recently Published