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2025-05-21@01:47:04 GMT

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المصدر: وكالة الصحافة المستقلة

إقرأ أيضاً:

6 مؤشّرات تدل أن “الضمان” بخير

#سواليف

هل الضمان بخير.؟
ستة مؤشّرات تدل أن “الضمان” بخير

كتب.. #خبير_التأمينات_والحماية_الاجتماعية _ #موسى_الصبيحي


تعقيباً على منشور الأمس الذي تطرقت فيه لتوقّعاتي حول #المؤشرات_الرئيسة لنتائج #الدراسة_الإكتوارية الحادية عشرة التي أجرتها #مؤسسة #الضمان_الاجتماعي بموجب القانون من خلال خبراء إكتواريين دوليين معتمدين لدى منظمة العمل الدولية، والمنتظر أن يتم الإفصاح عنها خلال الشهر القادم، سألني الكثير من الإخوة المتابعين سؤالاً محدّداً؛ هل الضمان بخير.؟
أقول للجميع، وأنا دائماً أكتب وأتحدث بصراحة وشفافية، بأن ما أردته من منشور الأمس هو الإشارة إلى ضرورات الاستدامة المالية للنظام التأميني للضمان، الذي يتأثر بكثير من العوامل والسياسات سواء على مستوى الدولة أو على مستوى مؤسسة الضمان، وأن هدف الدراسات الإكتوارية التي يُلزِم قانون الضمان القيام بها كل ثلاث سنوات هو الوقوف على مؤشرات النظام التأميني المستقبلية على ثلاثة مدَيات؛ القريب والمتوسط والبعيد، وذلك بناءً على بيانات مهمة تعتمدها هذه الدراسات. وكل ذلك من أجل دفع أصحاب القرار لاتخاذ إجراءات ضرورية تدعم الموقف المالي لمؤسسة الضمان وتعزز استدامة نظامها التأميني، ولا سيما في حال تبيّن الحاجة لهذا الدعم.
بناءً على ما سبق، وإجابة على السؤال المطروح؛ هل الضمان بخير.؟
أقول: نعم بخير والدليل ما يلي:
١) لا يزال حجم الاشتراكات السنوية أكبر من حجم النفقات الكلية لمؤسسة الضمان (النفقات التأمينية والإدارية) فالنفقات لا تزيد حالياً على ما نسبته ( 84 % ) من حجم الاشتراكات (الإيرادات التأمينية).
٢) لم تبرز الحاجة أبداً منذ أن بدأ تطبيق قانون الضمان قبل (45) سنة وإلى الآن للاستعانة بعوائد استثمار أموال الضمان ولا بدينار واحد من هذه العوائد، ما يُعدّ عامل قوة ومتانة للوضع المالي لمؤسسة الضمان حتى اليوم.
٣) تبلغ موجودات المؤسسة العامة للضمان الاجتماعي حالياً حوالي ( 16.8 ) مليار دينار. ومن المتوقع أن تصل إلى حوالي (20) ملياراً مع نهاية العام 2027. ما يدل على وضع مالي واحتياطات وأصول جيدة.
٤) تُظهر بيانات الضمان بأن ثلاثة تأمينات من الأربعة المطبّقة مُستدامة مالياً إلى أمد بعيد، وتحقق فوائض مالية كبيرة، ولا يُتوقّع أن تشهد أي عجوزات لعشرات السنين القادمة، وهي: تأمين إصابات العمل، تأمين الأمومة، تأمين التعطل عن العمل. وهو ما أكّدته الدراسات الإكتوارية بوضوح.
٤) التأمين المرشّح للعجز هو تأمين الشيخوخة والعجز والوفاة، وهو التأمين الذي يقع تحت ضغط التقاعد المبكر تحديداً، ومن الممكن من خلال تصويب عدد من السياسات من جانب الحكومة ومن جانب مؤسسة الضمان، أن تُعالَج المشكلة، ونُعزّز من استدامة هذا التأمين مالياً، وبكل سهولة.
٥) العائد الاستثماري لأموال الضمان يتراوح ما بين 5% إلى 5.5%، وهو وإن كان متواضعاً شيئاً ما، إلا أنه داعم أساسي لاستدامة الضمان، وقد يكون اعتماد سياسة توزيع أكثر توازناً للمحافظ الاستثمارية وتنويعها بصورة أكبر، وإعادة هيكلة بعضها الأثر الإيجابي المؤدّي لرفع معدل العائد على الاستثمار إلى نسبة عادلة لا تقل عن 8% سنوياً.
٦) لا تزال هناك فوائض مالية تتحقق من الاشتراكات، وأتوقع أن لا تقل عن (200) مليون للعام الحالي 2025.
في ضوء ما سبق، أقول وأعلن بأن الضمان بخير، وأن وضعه المالي مريح، وإنْ كان مُريحاً بحذر، كما أحب أن أصفه، وأنّ مستقبله آمِنٌ بإذن الله.
ومع ذلك فإنني أدعو وأكرر الدعوة إلى ضرورة وضع خارطة طريق لمستقبل الضمان، بأسرع وقت، بهدف تلافي أي أخطاء، وتصويب أي سياسات، واتخاذ كل الإجراءات الضرورية الداعمة للمركز المالي للضمان وتقويته.

مقالات ذات صلة جيش الإحتلال: أحبطنا محاولة تهريب أسلحة من مصر عبر طائرة مسيرة 2025/05/20

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