OPTIMIZATION OF THE FINANCIAL MECHANISM OF THE FUNCTIONING OF THE PENSION SYSTEM OF UKRAINE

Анотація

The article examines the essence of the pension system of Ukraine and its equality. It was determined that a mandatory condition for the organization of any pension system is the creation of a legal, organizational and financial basis by the state to ensure the effective functioning of the pension system. It is characterized that a general system of mandatory state pension provision has been created in Ukraine, which provides for the accrual of pension contributions to a special pension fund. Aspects of the financial mechanism of pension funds in Ukraine are defined. The financial mechanism of pension funds in Ukraine is characterized, which includes such aspects as: mandatory pension contributions; storage system; support of non-state pension funds; investment of pension funds. The main tasks of the PF of Ukraine have been determined. An analysis of indicators of the implementation of the budget of the Pension Fund of Ukraine for 2019–2022, the dynamics of income of the Pension Fund of Ukraine for 2019–2022, as well as the dynamics of the number of pensioners for 2019–2022 was carried out. The analysis showed an increase in the costs of PFU, as well as a decrease in the number of pensioners. Ways to improve the financial mechanism of pension funds have been determined. The need and advantages of introducing a mandatory accumulative pension system as one of the ways to optimize the functioning of the pension system in Ukraine are substantiated. It was determined that the accumulation system provides that in addition to the state pension, which is paid from the state budget, citizens can also accumulate funds for their individual pension accounts, which are invested in various financial instruments. The implementation of the mandatory accumulative pension system requires detailed study and planning by the government and pension organizations. It is important to balance benefits and risks and ensure social justice for all citizens. It has been proven that the introduction of non-state pension funds in Ukraine will increase the possibilities of overcoming the crisis of the pension system, contribute to the improvement of the welfare of pensioners and stimulate the development of the financial market.

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