Анотація
Метою дослідження було виявлення ключових проблем правового регулювання пенсійного фонду Киргизької Республіки та розробка пропозицій щодо їх ефективного вирішення на основі аналізу міжнародної практики в різних економічних системах. Дослідження включало аналіз законодавства з використанням формально-юридичного методу, порівняння пенсійних систем Німеччини, Швеції, Чилі та Канади за допомогою порівняльного методу, а також моделювання можливих сценаріїв розвитку пенсійного законодавства з використанням методу правового прогнозування. Основні висновки показали, що пенсійна система в Киргизстані залишається залежною від державних джерел, що обмежує її здатність адаптуватися до мінливих міжнародних фінансових умов. Основними проблемами правового регулювання є відсутність гнучких інвестиційних механізмів і слабкий контроль за управлінням активами. Порівняльний аналіз також показав, що в країнах з диверсифікованою пенсійною системою, таких як Німеччина та Канада, пенсійні системи є більш стійкими завдяки диверсифікації активів та використанню приватних інвестиційних фондів. У таких країнах, як Швеція та Чилі, зростає інтерес до приватних пенсійних заощаджень та впровадження цифрових технологій для управління пенсійними активами, що сприяє більшій прозорості та ефективності пенсійних систем. На основі аналізу міжнародних практик розроблено рекомендації щодо посилення правового регулювання пенсійного фонду Киргизстану, включаючи прийняття міжнародних стандартів фінансової прозорості та розробку механізмів залучення приватних інвестицій у пенсійні активи. Отримані результати засвідчили необхідність модернізації правового регулювання пенсійних фондів у Киргизстані з урахуванням міжнародного досвіду для забезпечення стійкості, прозорості та захисту прав
Ключові слова: міжнародний досвід; законодавчі механізми; соціальне забезпечення; управління активами; інвестиційні стратегії; моделі накопичення
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