31
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Developing Asia’s Pension Systems: Overview and Reform Directions (ADB RETA No.7357)

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@mvmha~gic E{ge‗{ ^mi{gai [w{pmd{<Avmzvgms ei` Zmoazd @gzmkpgai{

"E@J ZMPE Ia)3;=3'

@z) @aicbw}i ^EZF( E{gei @mvmha~dmip Jeif "`~ezfNe`j)azc'

Zmcgaieh Kaiomzmikm ai [akgeh ^zapmkpgai

:5$:: E~zgh :>5>( E@J BU( Deighe

@g{khegdmz< Pbm vgms{ mr~zm{{m` gi pbg{ ~e~mz!~zm{mipepgai ezm pbm vgms{ ao pbm e}pbaz ei` `a iap imkm{{ezghw zmohmkp pbm vgms{ az ~ahgkgm{ ao pbm E{gei @mvmha~dmip Jeif "E@J'( az gp{ Jaez` ao Cavmziaz{( az pbm 

cavmzidmip{ pbmw zm~zm{mip) E@J `am{ iap c}ezeipmm pbm ekk}zekw ao pbm `epe gikh}`m` gi pbg{ ~e~mz ei` ekkm~p{ ia zm{~ai{gjghgpw oaz eiw kai{mu}mikm ao pbmgz }{m) Pmzdgiahacw }{m` dew iap imkm{{ezghw jm 

kai{g{pmip sgpb E@J aoogkgeh pmzd{)

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5 Gipza`}kpgai

Ah`$ecm gikadm {}~~azp sghh jm aim ao `mvmha~gic E{ge‗{ jgccm{p {akgeh ei` mkaiadgk kbehhmicm{ gi pbm:5{p kmip}zw)

Pbg{ g{ hezcmhw `}m pa e {mg{dgk `mdacze~bgk

pzei{gpgai ‛ g)m) ~a~}hepgai ecmgic) Gi kaipze{p pa AMK@ ka}ipzgm{( E{ge `am{ iap wmp

bevm dep}zm( smhh$o}ikpgaigic ~mi{gai {w{pmd{)

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[a}pb E{ge

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^a~}hepgai ecmgic g{ da{p e`veikm` gi Fazme ei`[gice~azm( ei` hme{p e`veikm` gi Gi`aim{ge(^bghg~~gim{ ei` _gmpied)

Pbm `mdacze~bgk pzmi`{ zm{a}i`gichw kaiogzd pbmkaivmipgaieh sg{`ad ao e ze~g`hw ecmgic E{ge)

 E kai{pmhhepgai ao mkaiadgk ei` {akgeh oekpaz{ g{gi`}kgic E{gei{ pa bevm omsmz kbgh`zmi ei` miejhgic

pbmd pa hgvm haicmz)

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Pejhm 5@mdacze~bgk Gi`gkepaz{ ao [mhmkpm` E{gei Ka}ipzgm{

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Papeh ^a~}hepgai"dghhgai{'

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5>

5 Gipza`}kpgai

 E i}djmz ao apbmz oekpaz{ eh{a ~agip pa ei }zcmipimm` pa {pzmicpbmi ah` ecm {}~~azp gi E{ge)

Gi ~ezpgk}hez( pbm smefmigic ao gioazdeh oedghw$je{m` ah` ecm {}~~azp dmkbeig{d{

Hezcm mrpmi`m` oedghgm{ ezm cgvgic sew pa {dehhmzi}khmez oedghgm{ sbgkb ezm hm{{ kai`}kgvm pa gipze$oedghw {}~~azp)

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55

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5;

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O}zpbmz gd~mp}{ oaz ~mi{gai zmoazd kadm{ozad chajehg|epgai ei` chajehg|epgai$zmhepm`hejaz dezfmp `mvmha~dmip{)

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Ha{{ ao laj {mk}zgpw g{ o}zpbmz e``gic pa pbm {akgehei` mkaiadgk {mi{m ao gi{mk}zgpw)

Gi E{ge( hezcm i}djmz{ ao gioazdeh${mkpazsazfmz{ kad~a}i` pbm ha{{ ao laj {mk}zgpw)

Smhh$o}ikpgaigic {akgeh ~zapmkpgai {w{pmd{(

gikh}`gic ~mi{gai {w{pmd( kei me{m gi{mk}zgpw)

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5=

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5?

: Avmzvgms ao E{gei^mi{gai [w{pmd{

Sm ias mredgim pbm jzae` eiepadw ao pbm ~mi{gai {w{pmd{ ao pbm 2 ka}ipzgm{)

Pbm je{gk {pz}kp}zm ao ~mi{gai {w{pmd{ g{

`gvmz{m ei` zmohmkp{ mekb ka}ipzw‗{kai{pzegip{ ei` ~zmomzmikm{)

Pbmzm g{ kai{g`mzejhm bmpmzacmimgpw gipmzd{ ao fmw ~mi{gai ~ezedmpmz{ {}kb e{~mi{gai ecm ei` kaipzgj}pgai zepm)

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53

Pejhm :^mi{gai Ecm ei` Je{gk [pz}kp}zm ao ^mi{gai [w{pmd{( :>>3

Ia@mogim` Jmimogp:5):5:);?> "=='_gmpied

Ia@mogim` Jmimogp:>55)===Pbeghei`

Ia@mogim` Kaipzgj}pgai57)75??:[gice~azm

Wm{@mogim` Jmimogp2)70)=?=^bghg~~gim{

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az

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@goomzmikm JmpsmmiHgom Mr~mkpeikw ei`^mi{gai Ecm "Wmez{'^mi{gai Ecm

"Wmez{'Ka}ipzw

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52

: Avmzvgms ao E{gei^mi{gai [w{pmd{

Pbm ~mi{gai ecm zeicm{ ozad == pa ?=) Hgom mr~mkpeikw$~mi{gai ecm ce~ zeicm{

ozad 0)= wmez{ pa 5;)3 wmez{ oaz dmi( ei`

2)7 wmez{ pa :5)3 wmez{ oaz sadmi)

Pbm ~mi{gai {w{pmd{ ao ehh mgcbp ka}ipzgm{

ezm z}i jw pbm cavmzidmip) Basmvmz( pbm je{gk {pz}kp}zm ao pbm

~mi{gai {w{pmd{ g{ oez ozad }igoazd)

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57

: Avmzvgms ao E{gei^mi{gai [w{pmd{

^mi{gai {w{pmd{ ao Gi`aim{ge( Dehew{ge ei`[gice~azm ezm `mogim` kaipzgj}pgai)

^mi{gai {w{pmd{ ao Fazme( ^bghg~~gim{( Pbeghei`

ei` _gmpied ezm `mogim` jmimogp) ^ZK‗{ ~mi{gai {w{pmd kadjgim{ e `mogim`

jmimogp ~ghhez ei` e `mogim` kaipzgj}pgai! iapgaieh 

`mogim` kaipzgj}pgai ~ghhez) Pbm ~mi{gai {w{pmd{ ao ^ZK( Fazme ei`

^bghg~~gim{ be{ ei mr~hgkgphw zm`g{pzgj}pgvm

mhmdmip)

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:>

; @gecia{g{ ao E{gei^mi{gai [w{pmd{

Pbm jgccm{p oegh}zm ao E{gei ~mi{gai{w{pmd{ g{ gie`mu}epm kavmzecm $ pbmwkavmz aihw e hgdgpm` ~ezp ao ~a~}hepgai )

Pbm {bezm ao pbm hejaz oazkm sbgkb g{kavmzm` jw ~mi{gai {w{pmd{ zeicm{ ozad5;):- pa =2-)

Pbm kavmzecm zepm oaz sazfgic$ecm~a~}hepgai zeicm{ ozad 5>)2- pa 0>-)

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:5

; @gecia{g{ ao E{gei^mi{gai [w{pmd{

Gi `mvmha~m` ka}ipzgm{( ~mi{gai {w{pmd{pw~gkehhw kavmz eza}i` 7>- ao pbm hejazoazkm ei` jmpsmmi ?>- ei` 3=- ao pbm

sazfgic$ecm ~a~}hepgai) Mvmi gi bgcb$gikadm E{gei ka}ipzgm{ {}kb

e{ Fazme( kavmzecm oehh{ smhh {bazp ao `mvmha~m`$ka}ipzw hmvmh{)

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::

Ogc}zm 7[bezm ao Hejaz Oazkm Kavmzm` jw ^mi{gai [w{pmd{ ei`

[bezm ao ^a~}hepgai Ecm` 5=$?0 Kavmzm` jw ^mi{gai [w{pmd{( :>>3

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Zm~) ao

Dehew{ge^bghg~~gim{[gice~azm Pbeghei _gmp Ied

Hejaz Oazkm Sazfgic$Ecm ^a~}hepgai

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:;

; @gecia{g{ ao E{gei^mi{gai [w{pmd{

  E{gei ka}ipzgm{ eh{a ~mzoazd ~aazhw sgpbzm{~mkp pa pbm zm~hekmdmip zepm( az pbmzepga ao zmpgzmdmip gikadm pa ~zm$

zmpgzmdmip gikadm) Zm~hekmdmip zepm g{ e sg`mhw }{m` dme{}zm ao 

pbm e`mu}ekw ao ~mi{gai jmimogp e{ e {a}zkmao ~a{p$zmpgzmdmip gikadm)

^mi{gai mr~mzp{ cmimzehhw zmkaddmi` ezm~hekmdmip zepm ao jmpsmmi ?? pa 3=-(e`l}{pm` oaz japb haicmvgpw ei` giohepgai zg{f{)

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; @gecia{g{ ao E{gei^mi{gai [w{pmd{

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0 Sew Oazsez` oaz E{gei^mi{gai [w{pmd{

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cavmzieikm ei` zmc}hepgai 

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mibeikgic ogieikgeh {}{pegiejghgpw 

 ~zapmkp pbm mh`mzhw ~aaz 

pbgif a}p{g`m pbm jar oaz giiavepgvm {ah}pgai{ 

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A}z ZMPE sghh kaipzgj}pm pa g`mipgowgic {~mkgogk ei`

kaikzmpm `gzmkpgai{ oaz ~mi{gai zmoazd gi E{ge)

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