{"id":55762,"date":"2024-06-15T00:41:56","date_gmt":"2024-06-14T22:41:56","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=55762"},"modified":"2024-06-14T15:28:35","modified_gmt":"2024-06-14T13:28:35","slug":"pozor-na-kolaps-kdy-vybuchne-evropska-penzijni-bomba","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2024\/06\/15\/pozor-na-kolaps-kdy-vybuchne-evropska-penzijni-bomba\/","title":{"rendered":"Pozor na kolaps: Kdy vybuchne evropsk\u00e1 penzijn\u00ed bomba?"},"content":{"rendered":"
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\u010casovan\u00e9 bomby: Jen n\u011bkolik zem\u00ed v Evropsk\u00e9 unii a ESVO zajistilo d\u016fchody sv\u00fdch ob\u010dan\u016f ani z poloviny. Vzhledem k demografick\u00e9mu v\u00fdvoji je jen ot\u00e1zkou \u010dasu, kdy se cel\u00e1 v\u011bc stane jednodu\u0161e nefinancovatelnou. Proto\u017ee kumulativn\u00ed n\u00e1roky dosahuj\u00ed extr\u00e9mn\u00edch rozm\u011br\u016f.<\/strong><\/p>\n

Zat\u00edmco lid\u00e9 v N\u011bmecku sb\u00edraj\u00ed sv\u00e9 penzijn\u00ed body a ti v Rakousku jsou neust\u00e1le informov\u00e1ni penzijn\u00edmi fondy o sv\u00fdch nashrom\u00e1\u017ed\u011bn\u00fdch d\u016fchodov\u00fdch n\u00e1roc\u00edch, skute\u010dn\u00e1 situace vypad\u00e1 ve skute\u010dnosti velmi chmurn\u011b. Nejen v N\u011bmecku a Rakousku \u2013 t\u00e9m\u011b\u0159 v cel\u00e9 Evrop\u011b. Jen n\u011bkolik zem\u00ed, jako je Nizozemsko, D\u00e1nsko, \u0160v\u00e9dsko, \u0160v\u00fdcarsko a Island, m\u00e1 jist\u00fd z\u00e1klad, kter\u00fd je ji\u017e zaji\u0161t\u011bn. Ale i tam z velk\u00e9 \u010d\u00e1sti pouze prost\u0159ednictv\u00edm syst\u00e9m\u016f, kter\u00e9 v p\u0159\u00edpad\u011b nouze ztr\u00e1cej\u00ed obrovskou hodnotu v p\u0159\u00edpad\u011b kolapsu syst\u00e9mu.<\/p>\n

Nap\u0159\u00edklad\u00a0\u00fadaje z Eurostatu<\/a>\u00a0ukazuj\u00ed , \u017ee d\u016fchodov\u00e9 n\u00e1roky obyvatelstva nyn\u00ed dosahuj\u00ed v\u00edce ne\u017e 450 procent ekonomick\u00e9ho v\u00fdkonu. Pouze velmi mal\u00e1 \u010d\u00e1st z nich je skute\u010dn\u011b poji\u0161t\u011bna. H\u016f\u0159e to na evropsk\u00e9 \u00farovni vypad\u00e1 pouze ve \u0160pan\u011blsku, kde ji\u017e n\u00e1roky p\u0159esahuj\u00ed 500 procent. Nizozemsko na druh\u00e9 stran\u011b zajistilo p\u0159ibli\u017en\u011b polovinu n\u00e1rok\u016f ve v\u00fd\u0161i p\u0159ibli\u017en\u011b 420 procent hrub\u00e9ho dom\u00e1c\u00edho produktu, zejm\u00e9na d\u00edky sv\u00e9mu zam\u011b\u0159en\u00ed na siln\u00e9 soukrom\u00e9 d\u016fchodov\u00e9 zabezpe\u010den\u00ed. A v N\u011bmecku? Vzhledem k ni\u017e\u0161\u00ed obecn\u00e9 d\u016fchodov\u00e9 \u00farovni se n\u00e1roky pohybuj\u00ed kolem 350 procent HDP, ale ani tam nen\u00ed pokryto t\u00e9m\u011b\u0159 nic.<\/p>\n

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D\u00e1ny lze pova\u017eovat za p\u0159\u00edkladn\u00e9, proto\u017ee jejich d\u016fchodov\u00e9 n\u00e1roky tvo\u0159\u00ed t\u00e9m\u011b\u0159 100 procent ekonomick\u00e9ho v\u00fdkonu, ale zhruba 80 procent je pokryto. \u017d\u00e1dn\u00e1 jin\u00e1 zem\u011b nem\u016f\u017ee dos\u00e1hnout takov\u00e9 \u00farovn\u011b. Pouze st\u00e1t ESVO Island dok\u00e1zal pokr\u00fdt zhruba dv\u011b t\u0159etiny n\u00e1rok\u016f, kter\u00e9 tvo\u0159ily 300 procent hrub\u00e9ho dom\u00e1c\u00edho produktu, a m\u011bl by tedy m\u00edt m\u00e9n\u011b probl\u00e9m\u016f.<\/p>\n

Vysok\u00e9 n\u00e1roky jsou skute\u010dn\u011b zvl\u00e1dnuteln\u00e9, pokud existuje odpov\u00eddaj\u00edc\u00ed ekonomick\u00fd r\u016fst a dostatek p\u0159isp\u011bvatel\u016f. Ale evropsk\u00e1 demografie ukazuje na trvale st\u00e1rnouc\u00ed populaci, zat\u00edmco imigrace v\u011bt\u0161inou prob\u00edh\u00e1 do syst\u00e9mu soci\u00e1ln\u00edho zabezpe\u010den\u00ed, nikoli do trhu pr\u00e1ce. To v\u0161ak nezajist\u00ed d\u016fchodov\u00fd ani d\u016fchodov\u00fd syst\u00e9m.\u00a0Jde tedy o tikaj\u00edc\u00ed bombu, kter\u00e1 d\u0159\u00edve nebo pozd\u011bji vybuchne, proto\u017ee platby p\u0159\u00edsp\u011bvk\u016f ji\u017e nesta\u010d\u00ed na pokryt\u00ed v\u00fddaj\u016f a da\u0148ov\u00fd hrnec nelze vyu\u017e\u00edvat donekone\u010dna.<\/strong><\/p>\n

Je st\u00e1le jasn\u011bj\u0161\u00ed, \u017ee kolapsu m\u016f\u017ee zabr\u00e1nit pouze k\u0159\u00ed\u017eov\u00e9 financov\u00e1n\u00ed d\u016fchodov\u00e9ho zabezpe\u010den\u00ed (nap\u0159\u00edklad prost\u0159ednictv\u00edm zdroj\u016f nez\u00e1visl\u00fdch na p\u0159\u00edjmu ze zam\u011bstn\u00e1n\u00ed, jako jsou dan\u011b z finan\u010dn\u00edch transakc\u00ed). Nesm\u00edme zapom\u00ednat, \u017ee rostouc\u00ed vyu\u017e\u00edv\u00e1n\u00ed um\u011bl\u00e9 inteligence bude m\u00edt tak\u00e9 negativn\u00ed dopady na trhy pr\u00e1ce, co\u017e pravd\u011bpodobn\u011b d\u00e1le zhor\u0161\u00ed ji\u017e tak kritickou finan\u010dn\u00ed situaci. Ale nelze v tomto ohledu vytvo\u0159it \u017e\u00e1dn\u00fd st\u00e1t s politiky a stranami, kter\u00e9 pouze p\u0159em\u00fd\u0161lej\u00ed od jednoho legislativn\u00edho obdob\u00ed k druh\u00e9mu a jsou ovliv\u0148ov\u00e1ny i lobbisty s vlastn\u00edmi z\u00e1jmy. Ot\u00e1zkou u\u017e nen\u00ed, zda tato bublina praskne, ale sp\u00ed\u0161e kdy. Ka\u017ed\u00fd, komu je dnes 20 a 30 let, by si u\u017e nem\u011bl p\u0159\u00edli\u0161 velk\u00e9 nad\u011bje na zaji\u0161t\u011bn\u00ed d\u016fchodov\u00e9ho zabezpe\u010den\u00ed.<\/p>\n

ZDROJ<\/a><\/span><\/p>\n

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 <\/p>\n","protected":false},"excerpt":{"rendered":"

\u010casovan\u00e9 bomby: Jen n\u011bkolik zem\u00ed v Evropsk\u00e9 unii a ESVO zajistilo d\u016fchody sv\u00fdch ob\u010dan\u016f ani…<\/p>\n","protected":false},"author":2,"featured_media":55763,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[7],"tags":[998,283,371],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/55762"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=55762"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/55762\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/55763"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=55762"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=55762"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=55762"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}