Date post: | 30-May-2018 |
Category: |
Documents |
Upload: | asian-development-bank |
View: | 219 times |
Download: | 0 times |
of 30
8/9/2019 Pension Reform in Southeast Asia
1/30
RhfqmlfUhdlujmfQlxyghkqyKqmk
Jxox` CKqghu
RuldhqqluldRxe`maRl`ma}
Fkymlfk`
Xfmthuqmy}
ld
QmfckrluhqrrkqghuBfxq&hix&qc
KIEUhcmlfk`AlfdhuhfahlfHfgkfamfcQlamk`RulyhaymlfmfKqmk
Jkfm`k,Krum`
5;
55,
52;2
Imqa`kmjhu> Ygh tmhsq hwruhqqhi mf ygmq rkrhuruhqhfykymlf kuh ygh tmhsq ld ygh kxyglu kfi il fly fhahqqkum`}uhd`hay ygh tmhsq lu rl`mamhq ld ygh Kqmkf Ihth`lrjhfy Ekfo 'KIE-, lu myq Elkui ld Clthufluq, lu yghclthufjhfyq ygh} uhruhqhfy& KIE ilhq fly cxkukfyhh ygh kaaxuka} ld ygh ikyk mfa`xihi mf ygmq rkrhu kfikaahryq fl uhqrlfqmem`my} dlu kf} alfqh{xhfah ld yghmu xqh& Yhujmfl`lc} xqhi jk} fly fhahqqkum`} eh alfqmqyhfysmyg KIE lddmamk` yhujq&
8/9/2019 Pension Reform in Southeast Asia
2/30
Luckfm~kymlf
YghAlfyhwy
RhfqmlfUhdluj
Kthfxhq
mf
Qlxyghkqy
Kqmk
Alfa`ximfcUhjkuoq
8/9/2019 Pension Reform in Southeast Asia
3/30
YghAlfyhwy
Yghfhhidlujluhulexqyqlamk`qhaxumy}kfiqlamk`qkdhy}
fhyqgkq
ehhf
mf
Qlxyghkqy
Kqmk
qmfah
ygh
;==3
=7
Dmfkfamk`
Aumqmq&Glshthu,yghukrmiuhalthu}kfiqxeqh{xhfyulexqy
culsygjhkfyygkyyghAumqmqimifly`hkiylqxqykmfhihddluyq
ylmfyhcukyhqlamk`rulyhaymlfmfylhalfljmaculsyg
qyukyhcmhq&
Yghaxuuhfyc`lek`aumqmqlfahkckmfuhruhqhfyqelygkf
lrrluyxfmy}dlu,kfikagk``hfchyl,qyuhfcyghfmfcldqlamk`
rulyhaymlfmfKqmk&Yghyhujqlamk`rulyhaymlf mqxqhimfygmq
alfyhwyylihflyhjknlueukfaghqldqlamk`qhaxumy}qxagkq
rhfqmlfq,ghk`ygakuh,sluomfnxu}kfiqlamk`kqqmqykfah&
8/9/2019 Pension Reform in Southeast Asia
4/30
YghAlfyhwy
Sgm`hihjlcukrgma,mfqymyxymlfk`kfidmqak`agk``hfchqkuh
jkf},ygh
axuuhfy
c`lek`
aumqmq
xfihuqaluhq
ygh
rl`mymak`
fhahqqmy}ldqxqykmfmfcyghrulahqqldhwrkfimfcqlamk`
rulyhaymlf&
Yghyuhfiukyhldhalfljmaculsygmquhckuihikqkqmfcx`ku`}
mjrluykfyjkaulhalfljma
tkumke`h
ygky
kddhayq
ygh
halfljma
qhaxumy}ldygh}lxfc,kfiyghl`i&Yghc`lek`halfljma
q`lsilsfjk}k`qlmjrkayyghrkahkfi{xk`my}ldnlekfi
`mth`mglliauhkymlfmfKqmkfalxfyumhq,ukmqhyghalqyldihey
uhdmfkfamfc'rkuymax`ku`}dlugmcg`}`hthukchihalfljmhq-,rlyhfymk``}`lshuuhjmyykfahd`lsq,kfik`ql`lshuygh
jhimxjyhujuhk`mfthqyjhfyuhyxuflfrhfqmlfkqqhyq&
8/9/2019 Pension Reform in Southeast Asia
5/30
YghAlfyhwy
Qhthuk`QlxyghkqyKqmkfalxfyumhqgkthrxuqxhikccuhqqmth
dmqak`
qymjx`kymlf
rkaokchq
mf
sgmag
qlamk`
rulyhaymlf
gkq
ehhfkfmfyhcuk`aljrlfhfy&Yghuhkuhglshthualfahufqygkylthu`}kccuhqqmthdmqak`qymjx`xqrkaokchq,mdflyuhthuqhiqom``dx``}kqhalfljmhquhalthu,alx`irlyhfymk``}`hkiylgmcghumfd`kymlf,kfiuhixahyghuhk`mfaljhqldyghrllu&
Gmcghumfd`kymlfkfifljmfk`ukyhqalx`ik`qlmfauhkqhyghalqyldqhutmamfcyghmfyhufk`iheyqldqhthuk`alxfyumhqqxagkqMfilfhqmk,kfiyghRgm`mrrmfhq&
Jkf}
ld
ygh
Qlxyghkqy
Kqmkf
alxfyumhq
gkth
hqyke`mqghi
qaghjhqsgmagalthuyukimymlfk`eukfaghqldqlamk`rulyhaymlf'Yke`h;-
8/9/2019 Pension Reform in Southeast Asia
6/30
Yke`h;>Qlamk`Qhaxumy}RulcukjqmfyghUhcmlf
Alxfyu}
L`i kch,
imqkem`my}, kfi
qxutmtluq
Qmaofhqq kfi jkyhufmy}
Sluo mfnxu} Xfhjr`l}jhfy
Dkjm`}
k``lskfah
qAkqg ehfhdmyq
dlu elyg
Akqg ehfhdmyq
r`xq jhimak`
akuh k
Euxfhm W e i W e e
Mfilfhqmk W e i W e e
@klq W W W W e e
Jk`k}qmk W e i W e e
Rgm`mrrmfhq W W W W e e
Qmfckrluh W W W W e e
Ygkm`kfi W W W W W W
Tmhyfkj W W W W W e
k& Mfa`xihq L`i Kch, Imqkem`my}, kfi Qxutmtluq? Qmaofhqq kfi Jkyhufmy}? Sluo Mfnxu}? Xfhjr`l}jhfy? kfi Dkjm`}
K``lskfahq& Mf qljh alxfyumhq, ygh ukyh jk} fly althu k`` ld yghqh rulcukjq& Mf qljh akqhq, lf`} ahuykmf culxrq, qxag kq
skch hkufhuq, kuh uhruhqhfyhi& Sghf ygh alfyumexymlf ukyh tkumhq, hmyghu ygh kthukch lu ygh `lshqy ukyh mf ygh ukfch mq xqhi&
e& K`ql mfa`xihq ygh alfyumexymlf ukyhq dlu lyghu rulcukjq&
a& Clthufjhfy rk}q ygh ylyk` lu jlqy ld ygh alqy ld dkjm`} k``lskfahq&
i& Alfyumexymlfq kuh qxejmyyhi yl k ahm`mfc lf qljh ehfhdmyq&Qlxuah>Qlamk`Qhaxumy}Kqqlamkymlf'5227-
8/9/2019 Pension Reform in Southeast Asia
7/30
Alfyhwy Jhuhhqyke`mqgjhfyldqxagqaghjhqglshthuilhqflyeumfc
kelxygmcg
ihcuhh
ld
althukch
ld
rlrx`kymlf
kq
sh``
kq
y}rhq
ldumqoq?kih{xka}mfehfhdmyq?qxqykmfkem`my}mfdmfkfamfc?kfi
gmcg{xk`my}qhutmahqsmyguh`kymth`}`ls`hth`qld
kijmfmqyukymthkfialjr`mkfahalqyq&
Cmthfygh
ghyhulchfhmy}
ld
Qlxyghkqy
Kqmkf
alxfyumhq
qxag
kq
mfihjlcukrgmayuhfiq'iha`mfmfcdhuym`my}ukyhq,mfauhkqmfc`mdh
hwrhaykfa}kykch42-?halfljmakfi`kelujkuohyqyuxayxuhq?
dmqak`alfqyukmfyqkfihddhaymthfhqqldrxe`maqhutmahih`mthu}
q}qyhjq?yghuhmqfllfhe`xhrumfyldrhfqmlfuhdlujygkymqkrrulrumkyh&
8/9/2019 Pension Reform in Southeast Asia
8/30
YghAlfyhwy
Yghrl`ma}aglmahqmftl`thglsylaljemfhimddhuhfykthfxhq
ldrhfqmlf
uhdluj
imqaxqqhi
mf
ygh
fhwy
qhaymlf
yl
alfqyuxay
kulexqy,kih{xkyhkfiqxqykmfke`huhymuhjhfymfaljh
rulyhaymlfq}qyhjqsmygalthukchkrrulkagmfcyghxfmthuqk`
`hth`&
Imddhuhfyalxfyumhq
sm``
gkth
imddhuhfy
rumlumymhq
mf
qh{xhfamfc
yghqhkthfxhqkfimfihqmcfmfch`hjhfyqldhkagkthfxhyl
eumfckelxyyghihqmuhirhfqmlfq}qyhj&
8/9/2019 Pension Reform in Southeast Asia
9/30
RhfqmlfUhdlujKthfxhqmfQlxyghkqy
Kqmk
Yghuhkuhqhthuk`eulkikthfxhqdluuhdlujmfcrhfqmlfq}qyhjqmfQlxyghkqyKqmk&Yghkthfxhqhfaljrkqqqaghjhqmftl`tmfc
ygh
dlujk`
qhaylu
mf
sgmag
yghuh
mq
mihfymdmke`h
`lfc
yhujhjr`l}huhjr`l}hhuh`kymlfqgmr?kfimfdlujk`qhaylusghuhflqxaguh`kymlfqgmrmqhtmihfy&Jxagldyghhjr`l}jhfyculsygmfQlxyghkqyKqmksm``ehmfyghmfdlujk`qhaylu&
Yghkthfxhqmfalurlukyhksmihtkumhy}lddmfkfamfckuukfchjhfyqukfcmfcduljyukimymlfk`RK]Cqlamk`mfqxukfahekqhiqaghjhq,ylalfyumexylu}qktmfcqekqhiqaghjhq,sghyghu
jkfikylu}
lu
tl`xfyku}&
Ygh}
k`ql
uhalcfm~h
xfluyglilwsk}qylalfthuyrg}qmak`kqqhylsfhuqgmr'qxagkqglxqmfc-mfyluhymuhjhfymfaljhqyuhkj&
8/9/2019 Pension Reform in Southeast Asia
10/30
RhfqmlfUhdlujKthfxhqmfQlxyghkqy
Kqmk
Hkagalxfyu}sm``fhhiylalfyhwyxk`m~hyghkthfxhqimqaxqqhi
eh`ls,
kfi
aljemfh
yghj
mf
kaaluikfah
myq
lenhaymthq,
kfi
dmfkfamk`kfimfqymyxymlfk`akrkem`mymhq&
Yghyukfqmymlf'qxagkqduljIEylIAqaghjhq-sm``fhhiyl
ehakuhdx``}kuukfchi,smyghwr`mamyuhalcfmymlfldyghalqyq
kfiixukymlf
ld
yukfqmymlf&
YgheulkikthfxhqdlurhfqmlfuhdlujmfQlxyghkqyKqmkkuh
hfxjhukyhieh`ls
8/9/2019 Pension Reform in Southeast Asia
11/30
RhfqmlfUhdlujKthfxhqmfQlxyghkqy
Kqmk
Kthfxh;>Jlihufm~mfckfiruldhqqmlfk`m~mfchwmqymfcdlujk`
qlamk`
qhaxumy}
luckfm~kymlfq
mf
rhudlujmfc
aluh
dxfaymlfq&
Hkagrultmihfykfirhfqmlfdxfijxqyrhudlujdmthaluhdxfaymlfq smygkuhkqlfke`hihcuhhldaljrhyhfahkfihddmamhfa}'Ulqq,5229-&
;-uh`mke`hal``haymlfldalfyumexymlfq,ykwhqkfilyghuuhahmryq'mfa`ximfckf}`lkf
rk}jhfyqmf
ygh
qhaxumy}
q}qyhjq-?
5-rk}jhfyldehfhdmyqdluhkagldyghqaghjhqmfkymjh`}kfialuuhaysk}?1-hfqxumfccllidmfkfamk`jkfkchjhfykfirulixaymthmfthqyjhfyldrultmihfykfirhfqmlfdxfikqqhyq?
9-jkmfykmfmfckfhddhaymthaljjxfmakymlffhysluo,mfa`ximfcihth`lrjhfyld
kaaxukyhikyk,
kfi
uhalui
ohhrmfc
jhagkfmqjq
yl
qxrrluy
al``haymlf,
rk}jhfy
kfidmfkfamk`kaymtmymhq?
8-rulixaymlflddmfkfamk`qykyhjhfyqkfiuhrluyqygkykuhymhiylrultmimfchddhaymthkfiuh`mke`hclthufkfah,dmixamku}uhqrlfqmem`my},yukfqrkuhfa}, kfikaalxfykem`my}&
8/9/2019 Pension Reform in Southeast Asia
12/30
RhfqmlfUhdlujKthfxhqmfQlxyghkqy
Kqmk
Mfekqmauhaluiohhrmfckfilyghudxfaymlfqldrultmihfykfi
rhfqmlf
dxfi
kijmfmqyukymlf,
Qmfckrluh
kfi
Jk`k}qmk
gkth
uhkaghidkmu`}gmcg`hth`ldhddhaymthfhqqkqmfimakyhimfYke`h
5&
YghuhkuhlyghuQlxyghkqyKqmkfalxfyumhq,jlqyflyke`}
Mfilfhqmkkfi
Rgm`mrrmfhq,
sghuh
`lshu
kijmfmqyukymlf
alqyq
alx`igh`rmjrulthrhfqmlfq}qyhjq&
Rgm`mrrmfhqglshthugkqehhfjkomfcalfqmihuke`hxqhldygh
MY
q}qyhjq
yl
mjrulth
kijmfmqyukymlf
kfi
aljr`mkfah
smyg
myq
qlamk`qhaxumy}qaghjhq&Fhthuygh`hqqyghuhmqulljdlujluh
rulcuhqq&
8/9/2019 Pension Reform in Southeast Asia
13/30
;1
;,243=94Fxjehu ld kaymth alfyumexyluq rhu
hjr`l}hh
5,;595,;84Fxjehu ld jhjehuq uhcmqyhuhi rhu
hjr`l}hh
37&988&3Fxjehu ld hjr`l}huq uhcmqyhuhi rhu
hjr`l}hh
;&472&77Lrhukymfc alqy kq ( ld alfyumexymlfq
2&;82&;;Lrhukymfc alqy kq ( ld Dxfiq Xfihu
Jkfkchjhfy 'DXJ-
1&;;1&85Lrhukymfc alqy kq ( ld mfaljh
Hjr`l}hhq Rultmihfy Dxfi
'HRD-,
Jk`k}qmk
Ahfyuk` Rultmihfy Dxfi
'ARD-, Qmfckrluh
Tkumke`h
;,243=94Fxjehu ld kaymth alfyumexyluq rhu
hjr`l}hh
5,;595,;84Fxjehu ld jhjehuq uhcmqyhuhi rhu
hjr`l}hh
37&988&3Fxjehu ld hjr`l}huq uhcmqyhuhi rhu
hjr`l}hh
;&472&77Lrhukymfc alqy kq ( ld alfyumexymlfq
2&;82&;;Lrhukymfc alqy kq ( ld Dxfiq Xfihu
Jkfkchjhfy 'DXJ-
1&;;1&85Lrhukymfc alqy kq ( ld mfaljh
Hjr`l}hhq Rultmihfy Dxfi
'HRD-,
Jk`k}qmk
Ahfyuk` Rultmihfy Dxfi
'ARD-, Qmfckrluh
Tkumke`h
Qlxuah* Kqghu kfi Tkqxihtkf '5224- dluygaljmfc
Yke`h 5> Kijmfmqyukymth Hddmamhfa} ld Fkymlfk` Rultmihfy Dxfiq mf
Qmfckrluh kfi Jk`k}qmk 'v5224-
Qlxuah>Hqymjkyhie}Kxygluekqhilfuhrluyqduljlddmamk`qlxuahq
8/9/2019 Pension Reform in Southeast Asia
14/30
RhfqmlfUhdlujKthfxhqmfQlxyghkqy
Kqmk
Mfthqyjhfyldrhfqmlfkqqhyqmfkrulixaymthjkffhuuhjkmfq
k
agk``hfch
mf
Qlxyghkqy
Kqmk&
Ygmq
mq
ixh
yl
qhthuk`
uhkqlfq,
mfa`ximfcygh`mjmykymlfqlddmfkfamk`kfiakrmyk`jkuohyqmf
yghqhalxfyumhq&
Qxagmfthqyjhfyqkuhhqqhfymk`elygmfyghkaaxjx`kymlfkfi
mfygh
rk}lxy
rgkqh
ld
ihdmfhi
alfyumexymlf
qaghjhq&
Mf
hkag
akqhmymqyghfhyuhyxufyljhjehuq'fhyldk``kijmfmqyukymth
kfimfthqyjhfyjkfkchjhfyalqyq-,sgmagjkyyhu&
Yghuh
jxqy
eh
qxddmamhfy
ymjh
rhujmyyhi
yl
hfke`h
yl
ygh
rlshuldaljrlxfimfyhuhqyylkaaxjx`kyhek`kfahq&Ygh
ruhuhymuhjhfysmygiuksk`q,{xmyhgmcgmfQmfckrluh,Jk`k}qmk
kfiMfilfhqmk,fhhiylehqyuxayxuhidluyghrlshuld
aljrlxfimfyhuhqy
yl
eh
uhk`m~hi&
8/9/2019 Pension Reform in Southeast Asia
15/30
RhfqmlfUhdlujKthfxhqmfQlxyghkqy
Kqmk
Yghfhyukyhlduhyxufjxqyehh{xk`ylluhwahhiukyhldskchculsygylhfqxuhygkyyghuhr`kahjhfyukyh'ukymlldrhfqmlf
ehfhdmyqyl
ruh
uhymuhjhfy
mfaljh-
mq
fly
kithuqh`}
mjrkayhi&
KqmfQmfckrluhyghuhk`m~hiuhk`ukyhlduhyxuflthuygh;=735227rhumliskq;&5rhuahfyrhukffxj'mjr`}mfcygkyek`kfahqsm``ilxe`hmf42}hkuq-'Dmcxuh;-&
Ygmqskq`lshuygkfyghkthukchuhk`skchculsygld8&5rhuahfy&Ygh
uhr`kahjhfy
ukyh
mq
`moh`}
yl
eh
jxag
`lshu
ygkf
ygh
44
38
rhuahfyxqxk``}qxcchqyhie}dmfkfamk`r`kffhuq
MfJk`k}qmk,yghuhk`ukyhlduhyxufehyshhf;=4;kfi5227skq1&;=rhuahfyrhukffxj'Yke`h1-&Ygmqmjr`mhimfuhk`yhujq
jhjehu
ek`kfahq
sm``
ilxe`h
mf
krrulwmjkyh`}
55&4
}hkuq&
Yghkqqhyk``lakymlfldyghHRDgkqehaljhjluhimthuqmdmhi,kfikccuhqqmth'Dmcxuh5-&
8/9/2019 Pension Reform in Southeast Asia
16/30
;4
Qlxuah>Ak`ax`kyhie}yghKxyglu&
Dmcxuh;>Qmfckrluh>Uhk`UhyxuflfARDEk`kfahq';=73
5227-
8/9/2019 Pension Reform in Southeast Asia
17/30
Yke`h1>Jk`k}qmk>
HRD,
Uhk`
Ukyh
ld
Uhyxuf
yl
Jhjehuq
]hku Fljmfk` Imtmihfi Ukyh Mfd`kymlf Ukyh 'ARM- Uhk` Ukyh ld Imtmihfi
';=4;*5227- 4&81 1&57 1&;=
';=71*5227- 3&;8 5&=7 9&;7
';=73*5227- 4&=2 1&;4 1&34
';==2*5227- 4&4= 1&19 1&13
Qlxuah>Ak`ax`kyhiduljikykduljHRD'522=-
;3
8/9/2019 Pension Reform in Southeast Asia
18/30
;7
Dmcxuh5>Jk`k}qmk>MfthqyjhfyK``lakymlfldHRD>;==;5227
Flyh> JCQ Jk`k}qmkf Clthufjhfy Qhaxumymhq? I $ @ Ihehfyxuhq kfi @lkfq? H{xm H{xmymhq? JJ Jlfh} Jkuohy&Qlxuah> Ak`ax`kyhi dulj ygh Kffxk` Uhrluyq ld ygh HRD&
8/9/2019 Pension Reform in Southeast Asia
19/30
RhfqmlfUhdlujKthfxhqmfQlxyghkqy
Kqmk
Jk`k}qmkqHRDgkqehhfrhujmyyhimfygh52;2exichyyl
mfthqy
k
rluymlf
ld
myq
kqqhyq
keulki&
Ygxq
mf
ygh
dxyxuh
cuhkyhuchlcukrgmak`imthuqmdmakymlfldrhfqmlfkqqhyqmq`moh`}&
Ygkm`kfiqClthufjhfyRhfqmlfDxfi'CRD-gkqglshthu
k`uhki}imthuqmdmhimyqrluydl`mlchlcukrgmak``}&Yghkqqhy
k``lakymlfkq
ky
Ihahjehu
1;,
522=
mq
qglsf
mf
Dmcxuh
1&
Yghuhk`ukyhlduhyxuf'Dmcxuh9-gkqchfhuk``}ehhfrlqmymth&
8/9/2019 Pension Reform in Southeast Asia
20/30
52
Dmcxuh1>Ygkm`kfi>KqqhyK``lakymlfldCRD
Qlxuah>CRDSheqmyh,gyyr>sss&crd&lu&ygHfcrluy&kqr
8/9/2019 Pension Reform in Southeast Asia
21/30
5;
Dmcxuh9>Ygkm`kfi UkyhqldUhyxufduljHRD,
;==35227
Qlxuah>CRDSheqmyh,gyyr>sss&crd&lu&ygHfcrhudluj&kqr
8/9/2019 Pension Reform in Southeast Asia
22/30
RhfqmlfUhdlujKthfxhqmfQlxyghkqy
Kqmk
Yghqhmfmymkymthqalx`irlyhfymk``}`hkiylgmcghuuhyxufq,
yglxcg
umqoq
gkth
k`ql
mfauhkqhi& Dluygh`lsmfaljhalxfyumhqAkjelimkkfi@klq ygh
rumlumy}qglx`iehylexm`iakrkamymhqldyghmurultmihfykfi
rhfqmlfdxfiluckfm~kymlfqylxfihuykohyghaluhdxfaymlfq
flyhikelth
jluh
hddmamhfy`}&
Uhk`m~mfc
ygh
`mjmykymlfq
ld
yghmu
dmfkfamk`kfiakrmyk`jkuohyq,uh`kymth`}alfqhutkymth
mfthqyjhfyrl`mamhqkuhskuukfyhi&Cuhkyhuhjrgkqmqlf
uhaluiohhrmfcdxfaymlfqkfilfuhixamfckijmfmqyukymthkfi
aljr`mkfahalqyq
jhumy
qhumlxq
alfqmihukymlf&
8/9/2019 Pension Reform in Southeast Asia
23/30
RhfqmlfUhdlujKthfxhqmfQlxyghkqy
Kqmk
Kthfxh5>Rkukjhyumakfiluq}qyhjmauhdlujqldqljhaljrlfhfyqldhwmqymfcq}qyhjq'qxagkqamtm`qhutmahrhfqmlfq-&
Jkf}ld
ygh
rultmihfy
kfi
rhfqmlf
dxfi
rulcukjq
mf
Qlxyghkqy
Kqmk
shuh
hqyke`mqghimfkruhc`lek`m~kymlfkfiruhal`iskuhukekqmq&Yghihqmcf
ihykm`qldyghqhrulcukjqk`qlilflyuhd`hayyghaxuuhfyyhfihfa}
ylskuiquhixahidhuym`my},kfi`lfchu`mdhhwrhaykfa}&Ygh}k`ql ilfly
dx``}uhd`hay
ihth`lrjhfyq
mf
dmfkfamk`
kfi
akrmyk`
jkuohyq,
kfi agkfcmfc
`kelujkuohyi}fkjmaq&
Mfrhfqmlfhalfljmaq,yghuhmqky}ukff}ldqjk``fxjehuq sghuhk
qhhjmfc`}jmfluagkfch,qxagkqmf`mdhhwrhaykfa}ldyghehfhdmamkumhqld
ygh
rultmihfy
lu
rhfqmlf
qaghjh,
lu
mf
yghuhk`ukyhlduhyxuf
auhimyhi
yl
jhjehuq kaalxfyq,alx`igkthkimqrulrluymlfkyh`}`kuchmjrkaylf
uhymuhjhfymfaljhqhaxumy}&
8/9/2019 Pension Reform in Southeast Asia
24/30
RhfqmlfUhdlujKthfxhqmfQlxyghkqy
Kqmk
Yghkelthleqhutkymlfqkuhrkuymax`ku`}uh`htkfydluyghamtm`qhutmahrhfqmlfqaghjhqmfQlxyghkqyKqmk&Smygdhshwahrymlfq,
ygh
ihykm`hi
rultmqmlfq
ld
yghqh
qaghjhq
gkth
fly
ehhfukymlfk`m~hiyluhd`hayyghfhshftmulfjhfy&Dluhwkjr`h,`lfchu`mdhhwrhaykfa}qxcchqyqygkyyghkchkysgmagyghjhjehuqqglx`iehaljhh`mcme`hdludx``rhfqmlfq
qglx`ieh
mfauhkqhi&
Glshthumfjkf}ldyghalxfyumhqqxagkqJk`k}qmkkfiMfilfhqmk,yghuhymuhjhfykchdluamtm`qhutkfyquhjkmfqehyshhf88kfi48}hkuq,smyg`lshuuhymuhjhfykchdlu
sljhf'dlu
hwkjr`h,
mf
Tmhyfkj-
hthf
yglxcgy
yghmu
`mdh
hwrhaykfa},lfkthukch,mqgmcghu&
8/9/2019 Pension Reform in Southeast Asia
25/30
RhfqmlfUhdlujKthfxhqmfQlxyghkqy
Kqmk
Yghuhkuhk`qlhwkjr`hqldrkukjhyumauhdlujqmflyghualxfyumhqmfyghuhcmlf&Qmfckrluhgkqmfyulixahikihdhuuhikffxmy}
qaghjh
ak``hi
ARD
@mdh
yl
gh`r
kiiuhqq
ygh
`lfchtmy}
umqo&Qhthuk`alxfyumhqqxagkqQmfckrluh,kfiJk`k}qmkkuhhfalxukcmfcuhymuhimfimtmixk`qylehky`hkqyrkuy`}kaymthmfygh`kelujkuohyygulxcgktkumhy}ldjhkqxuhq&
Jkf}alxfyumhq
qxag
kq
ygh
Rgm`mrrmfhq
kfi
Mfimk
kuh
ymcgyhfmfcxrlfruhuhymuhjhfysmygiuksk`qduljyghmurultmihfykfirhfqmlfqaghjhq&Ygmqsm``hfqxuhygkyyghrlshuldaljrlxfimfyhuhqymqgkufhqqhidluk`lfchurhumli&
Qmfckrluhgkq
ehhf
hwrhumjhfymfc
smyg
alfthuymfc
glxqmfc
h{xmy}mfyluhymuhjhfymfaljhqyuhkjq&Yghmumjrkayqldkugkqehhf`mjmyhi&
8/9/2019 Pension Reform in Southeast Asia
26/30
RhfqmlfUhdlujKthfxhqmfQlxyghkqy
Kqmk
Kthfxh1>Xqmfcimddhuhfyy}rhqlduhymuhjhfymfaljhyukfqdhuq,sgmagilflyhfymuh`}ihrhfilfdlujk``kelujkuohyuh`kymlfqgmrq&
Yghqhmfa`xihqlamk`rhfqmlfq,kfialalfyumexymlfqe}yghQykyh&Dlurlthuy}k``htmkymlf,qlamk`kqqmqykfahykuchyhikyrllumfk``kchculxrqjk}ehfhhihi&Yghalxfyu}rkrhuqrultmih
qhthuk`
hwkjr`hq&
Ygkm`kfiq12EkgyQaghjhdlughk`ygakuh'mfyulixahimf522;-gkqflylf`}ehhfalfymfxhiexyk`qlhwrkfihismygcuhkyhuqykyhqxrrluy&Mfqymjx`xqrkaokchqldqhthuk`alxfyumhq
mf
Kqmk,
yghuh
mq
kqmcfmdmakfy
qlamk`
kqqmqykfah
kfi
uhymuhjhfymfaljhyukfqdhualjrlfhfy&
8/9/2019 Pension Reform in Southeast Asia
27/30
RhfqmlfUhdlujKthfxhqmfQlxyghkqy
Kqmk
Qmfckrluhgkqmjr`hjhfyhilfhlddakqgrk}jhfyqyl
amym~hfq rultmihfydxfikaalxfyq&YghAljjxfmy}
Ihth`lrjhfyAlxfam`qrultmihqljhqlamk`rulyhaymlfylygh
mfimchfyq,glshthuygmqmqjhkfqyhqyhi&
8/9/2019 Pension Reform in Southeast Asia
28/30
RhfqmlfUhdlujKthfxhqmfQlxyghkqy
Kqmk
LyghuKthfxhq AlxfyumhqqxagkqJk`k}qmk,Ygkm`kfikfiyghRgm`mrrmfhqkuh
hfalxukcmfclaaxrkymlfk`
rumtkyh
rhfqmlf
r`kfq
kfilu
mfimtmixk`
uhymuhjhfykaalxfyqyleulkihfyghqlxuahqlduhymuhjhfydmfkfamfckfiumqoqgkumfc&
Mfilfhqmkmqhfalxukcmfcygh`mfomfcldrhfqmlfsmygjmauldmfkfah&
Rl`ma}jkohuq
glrh
ygky
ygmq
sm``
k`ql
kqqmqy
mf
hfgkfamfc
dmfkfamk`
mfa`xqmlfkfiqyuhfcyghfqlamk`alghqmlf&MfqljhalxfyumhqqxagkqNkrkfkfiQmfckrluh,yghuhmquhalcfmymlfygkygxjkfakrmyk`gkqqmjm`kumymhqsmygkdmfkfamk`mfqyuxjhfy,qxagkqkelfi,sgmagalx`ihfke`hjhjehuqylhkufrkuyldyghmuuhymuhjhfyfhhiqe}rkuymamrkymfc
mf
rkmi
halfljma
kaymtmy},
hthf
ixumfc
uhymuhjhfy&
Yghuhmqkqyulfcakqhdlulyghualxfyumhq,rkuymax`ku`}yghjmii`hmfaljhalxfyumhq,ylalfqmihumffltkymlfk`lfcygmqkthfxh&
8/9/2019 Pension Reform in Southeast Asia
29/30
Alfa`ximfcUhjkuoq
Mfkiimymlfylcuhkyhuruldhqqmlfk`mqjmfihqmcfmfc,mjr`hjhfymfc,htk`xkymfcyghhalfljmakfiqlamk`mjrkayldrhfqmlfq}qyhjq,ygh
dl``lsmfcyguhh
eulki
yghjhq
slx`i
fhhi
yl
eh
alfqmihuhi
e}
ygh
rl`ma}jkohuqmfQlxyghkqyKqmk&Yghqhkuh>
'm-YghfhhiylMfyhcukyhQlamk`Qhaxumy}Rl`mamhqe}tmhsmfcyghjkqmfyhcuk`rkuyldyghlthuk``halfljma,qlamk`,kfigxjkfuhqlxuahjkfkchjhfymfQlxyghkqyKqmkfalxfyumhq&
'mm-Fhhi
yl
ykoh
kq}qyhjma
tmhs
sgmag
rhujmyq
k``
h`hjhfyq
ld
ygh
q}qyhjylehalfqmqyhfymfmjrultmfcuhymuhjhfymfaljhehfhdmyqkfimfrxuqxmfcclliclthufkfahrukaymahq&Yghuhcx`kylu}kuukfchjhfyqjk}fhhiylehuhtmhshimfQlxyghkqyKqmkfalxfyumhqylkagmhthygmqlenhaymth&
'mmm-Fhhi
dlu
Aljr`hjhfyku}
Uhdlujq
mf
Lyghu
Kuhkq
qxag
kq
@kelu
Jkuohy,Ih`mthu}ldRxe`maQhutmahq,kfidmfkfamk`kfiakrmyk`jkuohyq&
8/9/2019 Pension Reform in Southeast Asia
30/30
Alfa`ximfcUhjkuoq
KQHKFQlamk`Qhaxumy}Kqqlamkymlf'KQQK-Dluxjmqxqhdx`exy
yghuhmqfhhidlumyylr`k}kcuhkyhuul`hmfrhfqmlfuhdluj&
Myqglx`ik`qlehkdluxjdluhjrmumak`htmihfahekqhi
aljrkukymthqlamk`qhaxumy}uhqhkuagmfQlxyghkqyKqmk&
Ygmqsm``uh{xmuhihth`lrmfcimqkccuhckyhikfiulexqy
jluyk`my}kfi
jluemimy}
ikykekqh
mf
ygh
uhcmlf,
kfi
qyuhfcyghfmfcmfimchflxquhqhkuagakrkem`mymhqldjhjehu
alxfyumhq&
Cukixkyh
`hth`
ruldhqqmlfk`
rulcukjq
mf
qlamk`
qhaxumy}
jkfkchjhfykfirhfqmlfhalfljmaqjhumyqhumlxq
alfqmihukymlflduh`htkfyqykohgl`ihuqmfQlxyghkqyKqmk&