Czy deregulacja może być sposobem na uzdrowienie finansów ubezpieczeń emerytalnych w państwach członkowskich Unii Europejskiej?
Can deregulation be a way to heal the finances of pension insurance in European Union member states?

Summary/Abstract: The author attempts to answer the question: can deregulation be a way to heal insurance finances? Pension insurance models and systems in EU member states since the 1970s have shown increasing financial inefficiency, increasingly threatening the sustainability of public finances. Due to the limited size of the publication, the author will very succinctly present the pension security financing models characteristic of EU member states. The problem of pension security in the European Union will also be presented, followed by the basic problem of pension finance, which is its structural debt. Finally, an outline will be given of the concept of deregulation of the pension system and, at the same time, the empowerment of citizens of countries that would adopt such a solution. Deregulation in itself is not a solution, but rather an element of the broader concept of healing the pension security of citizens, the application of which could solve the existing problems of pension insurance finances.

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