Wielki i wspaniały ZUS w roku 2015

Autor: Paweł Lechowski 2009-01-10 21:59:00 Ilość odsłon: 4977 Kategoria: Portal


 Zakład Ubezpieczeń Społecznych powstał w 1934 r. w celu zarządzania funduszami

ubezpieczeniowymi. Swoimi korzeniami siegał do Bismarcka. Ubezpieczenia emerytalne

bismarckowskie były ubezpieczeniami kapitałowymi. ZUS powstal do zarządzania

ubezpieczeniami repartycyjnymi czyli finansowanymi z bieżącej składki. System ten działał

znakomicie wraz z istnieniem i rozwojem  tzw. wielkoprzemysłowej klasy robotniczej, która

nie dożywała późnej starości. Niestety żyjących dłużej zaczęło przybywać. Koniecznoscią

stało się podniesienie składek emerytalnych. Dzisiaj składki na ZUS wynoszą prawie 50%

płacy.Do roku 2015, przy zachowaniu obecnego wieku emerytalnego ubędzie ponad 800 tys.

Polaków w wieku produkcyjnym. Polska będzie wtedy najszybciej starzejącym sie krajem

Europy, co w połaczeniu z niską aktywnoscią zawodową kobiet i seniorów spowoduje szybki

wzrost wydatków socjalnych, olbrzymi deficyt budżetowy i dług publiczny.  Zakład

Ubezpieczeń Społecznych stał sie strażnikiem anachronicznego modelu ubezpieczeniowego

pochodzącego z XIX w. W nadchodzących latach będzie egzekwował coraz wyższe składki

(80-90%), i tak dusił pracujących - nową creative class - że wiele firm przeniesie się za

granicę. Niedobór rąk do pracy będzie uzupełniony przez migracje z biednych krajów Afryki

i Azji. Ale to ZUS-owi nie pomoże. Do 2015 r.  na przedmieściach polskich miast powstaną

getta mniejszości, które nie mają pracy i żyją z  zasiłków, co jeszcze bardziej obciąży wydatki

ZUS.    

      Strażnik, który pobiera od społeczeństwa olbrzymi haracz.             

Fundusz Ubezpieczeń Społecznych (FUS) to największy fundusz celowy w Polsce. Administruje

nim ZUS. Dzieli się na 4 fundusze (emerytalny, rentowy, chorobowy i wypadkowy). Z

przyjętego przez rząd projektu ustawy budżetowej wynika, że w 2008 roku jego przychody

wyniosą 143,7 mld zł, a wydatki 147,9 mld zł. W tym roku FUS otrzyma z budżetu dotację

wynoszącą 33,2 mld zł. W przyszłym wyniesie ona 30,9 mld zł.

Na przychody złożą się głównie wpływy ze składek (89,2 mld zł) i dotacja z budżetu, która

składa się z dwóch części. Pierwsza (30,9 mld zł) będzie przeznaczona na wypłatę

świadczeń, druga (finansowana z rozchodów, nie wydatków budżetu) na kwotę 22,3 mld zł

wynika z tego, że ZUS przekazuje część otrzymywanych składek do OFE. Na uzupełnienie tej

luki otrzymuje środki z budżetu.

Najwięcej pieniędzy w 2009 roku FUS przeznaczy na tzw. transfery na rzecz ludności.

Składają się na nie głównie wydatki na emerytury (93,6 mld zł), renty (34,5 mld zł) oraz

na dodatki do nich (4 mld zł), zasiłki chorobowe (5,3 mld zł), a także inne zasiłki i

świadczenia (5,8 mld zł).
 

Ze środków, które wpływają do FUS głównie od ubezpieczonych i firm, utrzymywany jest

administrujący nim ZUS (z tzw. odpisu na działalność). W 2008 roku jego działalność

będzie kosztowała 3,35 mld zł, co stanowi 2,45 proc. przychodów FUS. W tym roku nastąpi

istotne podniesienie tej kwoty. Działalność ZUS ma kosztować 3,98 mld zł (2,77 proc.

przychodów), tj. o 629 mln zł więcej niż w tym roku. Z tego 56 mln zł więcej ma kosztować

obsługa kredytów, a 48 mln zł więcej tzw. prewencja rentowa. Planowane zmiany to

największy wzrost wydatków ZUS co najmniej od kliku lat. Od 2005 roku odpis na

działalność zakładu utrzymywał się mniej więcej na takim samym poziomie i wynosił od 3

mld zł do 3,35 mld zł.Rząd przyjął projekt ustawy budżetowej, z którego wynika, że w tym

roku ZUS przeznaczy na realizację swoich zadań 3,35 mld zł. W przyszłym roku kwota ta ma

wzrosnąć aż o 18,8 proc. - do prawie 4 mld zł.

   Jeśli nie zlikwidujemy ZUS staniemy się jednym z najbiedniejszych krajów Unii

Chroniczny deficyt w systemie ubezpieczeń społecznych stawia pod znakiem zapytania

sensowność istnienia całej składkowej strony tego systemu. Skoro w ostatecznym

rozrachunku system w znacznej części finansowany jest ze Skarbu Państwa, czyli z

podatków, to po co istnieje cały ZUS-owski i KRUS-owski aparat ściągania składek? Jaki

sens mają niezliczone rozporządzenia, szkolenia, rejestry, audyty, rozliczenia, systemy

księgowe i programy komputerowe, skoro cały ten wysiłek i tak nie zapewnia finansowej

stabilności systemu? Jaki sens ma praca dziesiątek tysięcy urzędników ZUS i specjalistów

w działach kadr dziesiątek tysięcy firm, skoro ostatecznie finansowanie systemu i tak

opiera się na dotacji budżetowej?

Jeśli godzimy się z faktem, że budżet dotuje świadczenia społeczne, to dużo

oszczędniejsze wydaje się całkowite zniesienie składek ZUS i przejście na finansowanie

wyłącznie z budżetu. W ten sposób zaoszczędzi się wysiłek setek tysięcy ludzi związany z

koniecznością rozliczania składek ZUS. Albo uczyńmy system ubezpieczeń społecznych

samofinansującym się mechanizmem, albo zlikwidujmy podwójną biurokrację przy pobieraniu

podatków składek przez urzędy skarbowe i ZUS.

                   Nienaprawialny system

Polski system ubezpieczeń społecznych rok w rok przynosi straty rzędu kilkudziesięciu

miliardów złotych. Na przykład w roku 2007 budżet musiał zasilić FUS kwotą 40 miliardów,

a KRUS kwotą 14 miliardów. W systemie ZUS składki pokrywają tylko ok. 70 proc. wydatków

na świadczenia, a w KRUS tylko ok. 7 proc.!

Paweł Wypych, były prezes ZUS, nie kryje zdziwienia kwotą, o jaką mają wzrosnąć wydatki

ZUS. Wskazuje, że niemożliwe jest, aby dodatkowe koszty informatyzacji związane z realizacją

nowych zadań miały kosztować ponad 0,5 mld zł.

- Jeśli premier podkreśla, że jego kancelaria zaoszczędzi w przyszłym roku kilkanaście

milionów zł, powinien też przyjrzeć się, na co zostanie przeznaczone ponad 600 mln zł w

ZUS - podkreśla Paweł Wypych.

Także Jeremi Mordasewicz z PKPP Lewiatan i członek rady nadzorczej ZUS nie potrafi

znaleźć odpowiedzi na pytanie dotyczące wzrostu wydatków ZUS.

- Wdrożenie nowego oprogramowania może kosztować kilkadziesiąt milionów złotych -

wskazuje Jeremi Mordasewicz.

W podobnym tonie wypowiada się Wojciech Nagel z Business Centre Club, także członek rady

nadzorczej ZUS. Nie potrafi znaleźć odpowiedzi, na co ZUS może przeznaczyć dodatkową

kwotę. Ministerstwo Finansów nie chciało komentować wzrostu wydatków ZUS.

   System zabezpieczeń społecznych cierpi na chroniczny deficyt. Zamiast pełnić funkcję, do

której został stworzony, jest on narzędziem redystrybucji świadczeń od osób płacących

większe składki – np. pracowników zatrudnionych na etat – do osób płacących mniejsze

składki – np. rolników i osób rozpoczynających działalność gospodarczą. Dopóki państwo

będzie ustawowo ustalać jednocześnie i poziom składek i poziom świadczeń, system nigdy

nie będzie finansowo niezależny, a  ZUS  pozostanie bardzo kosztownym reliktem XX w.  
 

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