Тэтгэврийн зээл!!!

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Монгол шиг төр нь банктайгаа нийлж байгаад тэтгэврийн хэдэн хөгшдөө өндөр хүүгээр хүүлж суудаг улс гэж дэлхийд байхгүй ээ. Сонсохоор ичмээр!!! Тэтгэврийн зээлийн хүүг 12% болголоо гээд өчигдөр бүх хэвлэл мэдээлэлийн хэрэгсэл, сайтаар бөмбөгдөв, их л мундаг түүхэн үйл явдал юм байх. Яахав өмнө нь байсан 18%-тай харьцуулахад сайжирсан үзүүлэлт байх, гэхдээ улс орондоо хийдгээ хийгээд гавъяаныхаа амралтанд сууж байгаа хүмүүсийнхээ тэтгэврийн мөнгийг дэлхийд байхгүй өндөр хүүгээр хүүлж байгааг яагаад ч зөвтгөх боломжгүй. Үүнийг засаж залруулах учиртай. Дахин хэлэхэд “тэтгэврийн зээл” гэдэг нь төрийн оролцоотой хийсэн санхүүгийн маш том луйвар!!! Үүнийг тайлбарлаж өгье.

1-рт, тэтгэвэр гэдгээ бид зөв ойлгох учиртай. Энэ бол хэн нэгнээс эсвэл улсаас зүгээр авч буй мөнгө биш юм. Улстөрчдийн босгож гийгүүлсэн ч мөнгө биш. Харин олон жилийн турш өөрийнхөө шударга хөдөлмөрийн хүрээнд төлсөн нийгмийн даатгалын шимтгэлээ буцааж авч буй хэлбэр юм. Өөрөөр хэлбэр өөрийнхөө төлсөн мөнгийг өөрөө буцаан авч буй гэсэн үг. Өөрийнхөө мөнгийг өөрөө авахдаа дэлхийд байхгүй өндөр хүү төлдөг схемийг манайхан л бодож олж чадна! Хүүлэгч эдийн засаг гэж үүнийг хэлээд байгаа юм!!!

2рт, тэтгэврийн сан гэдэг нь сул чөлөөтэй мөнгө маш ихээр эргэлддэг талбар. Бусад улсын хувьд бол хөрөнгийн зах зээлийнх нь хамгийн том хөрөнгө оруулагч байдаг. Иргэдийн оруулсан шимтгэлийг өсгөж үржүүлэхийн тулд тэтгэврийн санд хуримтлуулсан хөрөнгийг өндөр өгөөжтэй компаниудын бонд, хувьцаанд хөрөнгө оруулдаг. Ингэж л тэтгэврийн сан зөв ажилладаг. Харамсалтай нь Монголд тэтгэврийн сангийн чөлөөт үлдэгдлийг хэдэн банкууд арын хаалгаар хүүгүй шахам авдаг. Ингэхээр тэтгэврийн сан хэрхэн өсөж үржих билээ дээ. Тэтгэврийн сангийн үлдэгдлийг арилжааны банкуудад бага хүүтэйгээр байршуулдаг явдлыг зогсоох ёстой. Энд хамгийн том гажуудал, авлига хээл хахуулийн асуудал яригддаг.

3рт, Монголын нөхцөлд тэтгэврийн зээл гэж угаасаа байх ёсгүй юм, одоохондоо. Өнөөдрийн байдлаар олгогдож буй тэтгэврийн мөнгө нь угаасаа овоож оцойсон их мөнгө биш. Өдөр тутмын хоол хүнс, ойр зуурын хэрэглээнд таарсан, заримдаа бараг хүрэхгүй шахуу. Гэтэл тэтгэврийн зээл авч буй хөгшчүүд маань ихэвчлэн хүүхдүүдийнхээ шахаасаар хэдэн жилийнхээ тэтгэврийг урьдчилаад авчихна. Түүнийг нь хүүхдүүд нь сургалтын төлбөр, байрны урьдчилгаа, бизнестээ хэрэглэнэ. Гэтэл нөгөө хөгшчүүд маань сар бүр авч хэрэглэх ёстой мөнгөө “алдчихаар” ёстой нэг насны эцэст гуйлгачингийн амьдралыг биеэрээ мэдрэнэ. Харин ч тэтгэврийн зээл гэдэг зүйл байхгүй байсан бол хөгшчүүд маань санаа амар сар бүр орлоготойгоо үлдэх байлаа.

Эцэст нь хэлэхэд тэтгэврийн сангийн шинэчлэлийг яаралтай хийх цаг нь болжээ. Тэтгэврийн сангийн үлдэгдлийг улстөрчид банкуудтай нийлж тоншдог биш харин нийт эдийн засгийнхаа эргэлдэх хүч болгон ашиглах цаг нь болжээ. Алийн болгон буруу замаар будаа тээхэв дээ?!! Хөгшчүүдээ хүүлдэг биш харин халамжилдаг тогтолцоог бий болгоё!

Angar Davaasuren


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