Pension system in Croatia and comparative analysis of pension systems on the example of selected members of the European Union

Mirovinski sustav prikuplja sredstva kroz doprinose zaposlenih osoba i osigurava prihod za vrijeme mirovine. U zadnjem desetljeću mirovinska reforma jedno je od najvažnijih političkih pitanja diljem Europe. Sve europske zemlje imaju problem starenja stanovništva koje je posljedica niže stope fertiliteta i povećanja očekivanog životnog vijeka. U ovom radu analiziraju se mirovinski sustavi u EU s naglaskom na odabrane zemlje članice EU-Hrvatska, Poljska, Belgija i Nizozemska. Financiranje mirovina predstavlja ozbiljan problem i stvara sve veći pritisak na javne financije. Osim trenutnih demografskih trendova, u radu se proučavaju i demografske projekcije te ekonomski pokazatelji. Problematika mirovinskog sustava može se shvatiti samo ako se sagleda dovoljno dugi rok.The pension system collects funds through contributions from employees and provides income during retirement. In the last decade, pension reform has been one of the most important political issues across Europe. All European countries have a problem with an ageing population resulting from lower fertility rates and an increase in life expectancy. This paper analyses pension systems in the EU with a focus on selected EU member states- Croatia, Poland, Belgium and the Netherlands. Pension funding is a serious problem and puts increasing pressure on the public finances. In addition to current demographic trends, demographic projections and economic indicators are also studied in the paper. The issues associated with pension systems can only be understood if one looks at a long enough time frame