The federal body exercising control over non-state pension funds is. The supervisory body of the pension fund controls the activities of the non-governmental pension fund

This is necessary to ensure a timely retirement, as well as a decent amount.

An increasing number of Russians are establishing control over their pension rights. This is necessary to ensure a timely retirement, as well as a decent amount. To control your pension rights, you should know where they are taken into account, how to provide yourself with access to information about your work experience, insurance contributions, pension points, i.e. about your individual personal account in the personalized accounting system in the Pension Fund of the Russian Federation.

- An individual personal account with the Pension Fund is not an analogue bank account. It does not store money, but information about your pension rights, - explains Deputy Head of the Office for Pension Issues Irina Ivanovna Chekulova. - This information is confidential and is stored in compliance with established rules for storing personal data of citizens.

Until 2013, it was possible to find out his status from annual “chain letters” - postal notifications about the status of an individual personal account. In 2013, the mandatory distribution of chain letters was abolished.

Now about the number of pension points and duration insurance period recorded on the personal account, receive detailed information about periods of work, places of work, the amount of insurance premiums accrued by employers and the level wages can be found using Citizen's personal account. The service also provides information on pension savings, including data on contributions under the State Pension Co-financing Program. In addition, you can use a personalized version of the pension calculator and find out what affects the formation of pension rights and the size of the future insurance pension.

All users registered on the website www.gosuslugi.ru and in unified system identification and authentication (USIA).

Information about the state of an individual personal account, including information about the state of a special part of an individual personal account and the results of investing pension savings, can be obtained by contacting Pension Fund Client Service, including by post, within 10 days from the date of application. To obtain information, you must come with your passport and SNILS to the Russian Pension Fund at the place of registration (including temporary) or actual residence and write an application.

This can also be done through portal www.gosuslugi.ru. To do this, you need to register on the Unified Portal of State and Municipal Services www.gosuslugi.ru. After receiving the access code to " Personal account"on the portal in the section " Electronic services» you must select the section “Ministry of Labor and social protection Russian Federation", then the subsection "Pension Fund of the Russian Federation". In this subsection you can obtain information about the status of your pension account online.

And also - through bank. To do this, you need to clarify whether the bank whose client you are provides a similar service. If yes, then information about the status of the pension account can be obtained in printed form from the operator or through ATMs, or in electronic form using Internet banking.

The highest governing body of most NPFs is the Fund Council. It is formed exclusively by the founders; depositors and participants do not take part in this procedure. Fund charters usually fall within the competence of the Council:

· resolving strategic issues of the fund’s activities;

· approval and amendment of the most important documents (charter, rules of the Fund);

· determination of investment policy;

· statement annual report about the work of the fund, the work plan for the next year, cost estimates;

· appointment of executive bodies of the fund and formation of the Board of Trustees.

The frequency of Council meetings in different funds usually ranges from once a month (at the stage of creation and deployment of the fund’s activities) to once a year (at the stage of quiet functioning). Sometimes an analogy is drawn between the Fund Council and a meeting of shareholders joint stock company. This analogy is quite legitimate, since both the meeting and the Council are the highest governing bodies of the respective legal entities. 11 http://npf.investfunds.ru/reform/encyclopedia/5/

Operational management of the fund's activities is usually carried out by a specially appointed executive body. He can be sole (general or executive director) and/or collegial (directorate, board). His competence includes:

· organization of the current work of the fund;

· concluding contracts with clients;

· selection of employees and formalization of relations with them;

· concluding agreements for asset management and control over the activities of managers;

· calculation of pensions and organization of their payments.

The executive body is formed by the Council and is accountable to it, however, the degree of freedom granted to the executive body can be quite large (depending on the activity of the Council).

Some funds create audit commissions. The basics of their activities are usually prescribed in the charters of the foundations. In fact, for the founders, audit commissions are a tool for control over the executive body of the fund.

The Foundation's activities are supervised by the Board of Trustees. It may include representatives of enterprises and organizations - fund investors, representatives of trade unions, ordinary participants or respected people from the outside. As a rule, foundations do not set quotas for the representation of certain groups on the board of trustees.

The activities of the Board of Trustees may include:

· preliminary approval of the annual report;

· preliminary approval of the most important decisions of the fund;

· familiarization with the business documentation of the fund. 11 http://npf.investfunds.ru/reform/encyclopedia/5/

Providing guarantees of safety and sustainable growth of pension savings in any country is a necessary condition for the existence and further development of non-state pension funds. This is, first of all, strict control by the state.

Federal Service for financial markets The Russian Federation (FSFM of Russia) licenses the activities of non-state pension funds, registers their rules, and also carries out general state supervision over the activities of all non-state pension funds and companies managing their assets. 11 Khmyz O. Problems of NPF. [Text] M.: Economic issues. - 2007.

All funds in mandatory provide annual, quarterly and monthly reports on their activities to the Federal Financial Markets Service of Russia.

Compliance with the established standards for the placement of reserves, in addition to the Federal Financial Markets Service of Russia, is monitored on a daily basis by a specialized depository, which has licenses to carry out depository activities and a license to carry out the activities of a specialized depository investment funds, mutual investment funds and non-state pension funds.

Each NPF is required to form an internal insurance reserve, which is used to replenish reserves to cover pension obligations in the event of a shortage of the latter and cannot be less than 5% of the amount of the pension reserve.

In accordance with current legislation, each NPF undergoes an external audit and independent actuarial assessment. Audit report and the actuarial balance is provided to the Federal Financial Markets Service of Russia. Annual report and balance sheet Non-state pension funds are required to be published in the open press. The results of the work of each fund for the year are checked by the Audit Commission, reviewed and approved by the Fund Council.

An important guarantee of the reliability of a non-state pension fund is its volume own funds, including the size of the total contribution of the founders. These funds, as well as the insurance reserve, will be used to cover the fund’s pension obligations in the event of a shortage of pension reserves. 22 Marokhin V.V. //Non-state funds: “What prevents investments” // “Social protection”

Chairman of the Board of the Pension Fund of Russia
DROZDOV Anton Viktorovich

In 1986 he graduated from Moscow financial institution majoring in economics.

In 1986, he began working as an economist in the Department of Social Security Financing of the USSR Ministry of Finance. Since 1987 - economist at the Department of Health and Social Security Financing of the USSR Ministry of Finance. In 1988 he worked as a senior economist in the Finance Department social development Ministry of Finance.

From 1988 to 1989 he served in the ranks of the Soviet Army.

Since 1989, he has held various positions in the Ministry of Finance of the Russian Federation: leading economist of the Department of Financial and Social Development, category I expert of the Consolidated Monetary and Economic Department, deputy head, head of the department of the Department of Monetary and Financial Regulation of the Ministry of Finance of the Russian Federation.

In 1994, he was appointed deputy head of the Main Directorate of the Federal Treasury of the Russian Ministry of Finance.

From July 1999 to July 2008, he worked in the Office of the Government of the Russian Federation: Head of the Department of Finance, Deputy Head of the Office of the Government of the Russian Federation, Director of the Department of Economics and Finance of the Government of the Russian Federation.

Provides general management of the activities of the Pension Fund of the Russian Federation. Distributes responsibilities, coordinates and controls the activities of the Deputy Chairmen of the Pension Fund Board. Directly coordinates and controls the activities of: Audit Commission Pension Fund; Department of Business Administration; Department of Personnel Policy; Department of Public Relations and Interaction with the Media; Department of Legal Policy (in terms of issues related to divisions supervised directly by the Chairman of the Board of the Pension Fund of Russia); Security Department; First department.

He was awarded the Order of Honor and the title of Honored Economist of the Russian Federation.

Married, has a daughter and son.

First
PETROVA Natalia Vladimirovna

In 1989 she graduated from the All-Union Correspondence Institute of the Food Industry, then from the Financial Academy under the Government of the Russian Federation.

Since 1984 she worked in various positions. He has been working in the Pension Fund system since 1994.

In 1994, she held the position of Deputy Head of the Department for Accounting for Receipts and Expenditures of the Branch of the Pension Fund of the Russian Federation in the Ulyanovsk Region.

From 1994 to 2002, she held the positions of deputy head of the department, deputy head of the Main Directorate, head of the department, head of the Main Directorate for Accounting and Distribution of Pension Fund Funds of the Executive Directorate of the Pension Fund of the Russian Federation.

From 2002 to 2013, she held the position of Chief Accountant of the Pension Fund of the Russian Federation - Head of the Treasury Department of the Pension Fund of the Russian Federation.

In 2013, she was appointed Deputy Chairman of the Board of the Pension Fund of the Russian Federation. Since 2018 - First Deputy Chairman of the Board of the Pension Fund of the Russian Federation.

Provides interaction with the Government of the Russian Federation and the Federal Assembly of the Russian Federation. Directly coordinates and controls the activities of: Budget Department; Treasury Department; Department financial security Pension Fund systems; Department for organizing the administration of insurance premiums. Carries out coordination and control of the activities of the territorial bodies of the Pension Fund of Russia on issues falling within the competence of the supervised structural units of the Executive Directorate of the Pension Fund of the Russian Federation. Supervised by Central federal district and the Branch of the Pension Fund of the Russian Federation in Baikonur.

She was awarded a certificate of honor from the Government of the Russian Federation, a certificate of honor from the Ministry of Health and Social Development of the Russian Federation, a certificate of honor from the Pension Fund of the Russian Federation, was awarded the title “Honorary Worker of the Pension Fund of the Russian Federation”, and received a letter of gratitude from the Chairman of the Federation Council of the Federal Assembly of the Russian Federation.

Deputy Chairman of the Board of the Pension Fund of Russia
KOZLOV Nikolay Borisovich

In 1978 he graduated from the Moscow Financial Institute with a degree in international economic relations.

Doctor of Economic Sciences, Professor.

Since 1978, he held various positions in the USSR Ministry of Finance.

In 1992, he headed the department of the Russian National Bank.

In 1993 he was an expert at Deutsche Bank.

In 1994 he worked as the head of the Department valuable papers"Bank for Entrepreneurship Development".

From 1994 to 2010 he was President, Chairman of the Board of Directors Investment company"Rikom Trust".

Since 2011 - Deputy Chairman of the Board of the Pension Fund of the Russian Federation.

Carries out coordination and control of the activities of the Department of Organization and Control of Investment Processes, the Department of International Cooperation. Also coordinates and controls the activities of the territorial bodies of the Pension Fund on issues within the competence of the supervised structural units of the Executive Directorate of the Pension Fund, supervises the Northwestern Federal District.

Deputy Chairman of the Board of the Pension Fund of Russia
AFANASYEV Sergey Anatolievich

In 1987 he graduated from Moscow State University them. M.V. Lomonosov.

In 2000 he graduated from the Russian Academy of Public Administration.

In 1995, Executive Director of the Scientific and Methodological Center “Social and Pension Technologies” Foundation.

From 1995 to 1996, chief specialist of the Ministry of Social Protection of the Population of the Russian Federation.

From 1996 to 2004, chief specialist, deputy head of the Department for Pension Issues of the Ministry of Labor and Social Development of the Russian Federation.

From 2004 to 2010, he held various positions in the Ministry of Health and Social Development of the Russian Federation: Deputy Director, Director of the Department of Social Insurance Development and state provision, Deputy Director of the Department for the Development of Social Insurance and State Security, Director of the Department for the Development of Social Insurance and State Security, Director of the Department for the Development of Social Insurance and State Security.

From 2010 to 2013 Chairman of the Social Insurance Fund of the Russian Federation.

Since March 2013, Deputy Chairman of the Board of the Pension Fund of the Russian Federation.

Provides interaction with the Government of the Russian Federation and the Federal Assembly of the Russian Federation. Coordinates and controls the activities of the Department of Actuarial Calculations and Strategic Planning, the Department for Work with Appeals of Citizens, Insured Persons, Organizations and Policyholders; Educational and Methodological Center (with management rights). Also coordinates and controls the activities of the territorial bodies of the Pension Fund on issues within the competence of the supervised structural units of the Executive Directorate of the Pension Fund, supervises the Siberian Federal District.

Deputy Chairman of the Board of the Pension Fund of Russia
CHIRKOV Sergey Alexandrovich

In 2000 he graduated from the Moscow State Academy water transport(jurisprudence).

In 2003 he graduated from the Academy of Labor and Social Relations.

In 2005 he graduated from the Russian Economic Academy named after. G.V. Plekhanov with the qualification “Master of Business Administration” (MBA).

Candidate of Legal Sciences.

From 1999 to 2000, he worked in various positions at the Social Insurance Fund of the Russian Federation.

From 2001 to 2007, he worked in various positions at the Pension Fund.

From 2007 to 2012, Head of the Department for Pension Provision of Persons Living Abroad at the Pension Fund of Russia.

From 2012 to 2018, head of the Department for organizing the appointment and payment of pensions of the Pension Fund.

Since 2018, Deputy Chairman of the Board of the Pension Fund of the Russian Federation.

Provides interaction with the Government of the Russian Federation and the Federal Assembly of the Russian Federation. Directly coordinates and controls the activities of:

Department of organization of assignment and payment of pensions;

Department for Pensions for Persons Living Abroad; Department of Legal Policy (except for issues related to the scope of the divisions supervised by the Chairman of the Board of the Pension Fund of Russia).

Carries out coordination and control of the activities of the territorial bodies of the Pension Fund on issues within the competence of the supervised structural unit Executive Directorate of the Pension Fund of Russia.

Awarded a Certificate of Honor from the Ministry of Health and Social Development, a Certificate of Honor from the Pension Fund of Russia, a Letter of Gratitude from the Government of the Russian Federation, a Letter of Gratitude from the State Duma Committee on Labor, social policy and Veterans Affairs, medal of the Order of Merit for the Fatherland, II degree.

Member of the Pension Fund Board, manager of the Pension Fund Branch for Moscow and the Moscow region
ANDREEV Andrey Evgenievich

In 1979 he graduated from Leningrad University. A.A. Zhdanova.

From 1979 to 1991 he worked in the following positions: inspector, senior inspector of the pensions and benefits sector, head of the control and audit sector, deputy head of the Social Security Department of the Lensovet Executive Committee

From 1991 to 1997, he headed the Leningrad Branch of the Pension Fund of the Russian Federation.

From 1997 to 2001, he headed the Branch of the Pension Fund of the Russian Federation in St. Petersburg and the Leningrad Region.

In the period from 2001 to 2002, he headed the Pension Fund Office in the North-West Federal District Pension Fund of Russia, and from 2002 to 2003 - Organizational Department of the Pension Fund of Russia.

Since 2003 - manager Government agency- Branch of the Pension Fund of the Russian Federation for Moscow and the Moscow region.

He was awarded the PFR Certificate of Honor, the title “Honorary Worker of the PFR”, the Badge of the Governor of the Moscow Region “For Useful” and the Gratitude of the Chairman of the PFR Board.

Member of the PFR Board, Manager of the PFR Branch for the Republic of Bashkortostan
KHANTIMEROV Foat Galyautdinovich

Graduated from the Faculty of Economics of the Bashkir Agricultural Institute and the Financial Academy under the Government of the Russian Federation in Moscow.
Candidate of Economic Sciences, Honored Economist of the Russian Federation and the Republic of Bashkortostan.

He began his career in 1968 as a teacher of physics and mathematics at school. From 1968 to 1973 - a student at the Faculty of Economics of the BSHI, then completed full-time graduate school and continued teaching.

Since 1989 - on the party and government work. From 1990 to 1991 - head of the agricultural sector, secretary of the Bashkir regional committee of the CPSU, from 1991 to 1994 - deputy chairman of the State Committee of the Republic of Belarus for Management state property, from 1994 to 2002 - Deputy Prime Minister, Minister of Finance of the Republic of Belarus.

Since 2002 - Manager of the Branch of the Pension Fund of the Russian Federation for the Republic of Bashkortostan.

Awarded the Medal "In Memory of the 850th Anniversary of Moscow" and the badge "Excellence" financial work RF".

Original of this material
© Forbes.ru, 11/19/2013, Pension redistribution: a quarter of the NPF market has changed owners

Elena Zubova

[...] Now NPFs have the status of non-profit organizations, they have founders, but no beneficiaries. Who is the real owner of the fund is not always clear, since the founders and actual owners are often completely different organizations. How are ownership rights transferred? Each fund has an administrator company, which, along with the rights that determine the conditions of the NPF’s activities, is purchased by the new owner. At the same time, the real owners of the fund do not bear any responsibility in the event of its losses and bankruptcy.

“The previous owners began to get rid of non-state pension funds en masse, because the money that is drawn on paper is not actually in the funds,” says a government source. There are enough buyers. One of them says that after unsuccessful investments and the 2008 crisis, holes in the balance sheets of non-state pension funds can reach 10% (in total 100 billion rubles), but the problems are taken into account in the price. Taking into account adjustments, it is often reduced by two to three times, up to 5% of the value of the property.

At this price, in September 2013, United Capital Partners (UCP) of financier Ilya Shcherbovich bought his corporate non-state pension fund (fund assets - $1.7 billion) from Norilsk Nickel, renaming it Heritage.

Norilsk Nickel officially announced that the transaction amount was $85 million. Uncovered loss- 600 million rubles, a year earlier - 2 billion rubles. The fund suffered its main losses in the second half of 2008, when its board was headed by the current Deputy Prime Minister Olga Golodets. [...]

How do financiers use pension money? Recently, Lukoil-Garant, for example, bought an 8.8% stake in Otkritie FC itself. Pension funds of the purchased NPFs were placed on deposits in several subsidiary banks of Otkritie Financial Corporation: reserves in Petrokommerts, savings in Nomos Bank and Khanty-Mansiysk Bank. In general, Lukoil-Garant holds 70-80% of the amount of pension savings on deposits, which amounts to 28% of all pension savings of Russians placed in banks.

One of the significant items in the balance sheets of Otkritie FC banks is transactions with related parties. According to Fitch Ratings, Nomos Bank issued loans to its shareholders in the amount of 26 billion rubles in 2012, another 53 billion rubles were financing projects associated with the ICT group and their partners - development and purchasing shares of large corporations. In 2013, the volume of these transactions and the risks associated with them increased, Fitch states. Presence in the pension market is one of the corporation’s strategic priorities, the Otkritie press service said. The corporation declined to comment on the use pension money to support shareholder projects.

Investments in the business of NPF founders are associated with increased risk and should be limited, according to the Prosecutor General's Office. An example is the investment of DSK-1 and Company, which, in violation of the law, used the property of the established NPF Nadezhda for 462 million rubles to finance its own Building bussiness(Forbes has the verification materials).

Another fund, NPF Semeyny, invested most of the 364 million rubles of pension reserves in real estate through promissory notes of structures affiliated with the founders through management company, which does not have a license. The fund itself had its license revoked in 2012; the money remaining in it would probably be enough for pension payments only at the nominal value of the contributions made, but there is no register with client data. [...]

Gazfond has found a way to leave beneficiaries in the shadows

The secret becomes nominal

Maria Yakovleva

Non-state pension funds (NPFs) are preparing for the entry into force of legal provisions requiring disclosure of the real owners of NPFs. From the beginning of next year, all funds working with citizens’ savings do not have the right to list non-profit structures (NPOs) among their owners. Thus, a scheme in which a non-state pension fund is divided into two and one of them, existing in the form of an NPO, is the 100% owner of the second, will become impossible. However, Gazfond pension savings" and several other funds have found a way to comply with the law without disclosing the final beneficiaries of the NPF.

The beneficiaries of several large pension funds may remain unknown. Kommersant wrote on March 27 that savings funds, whose shareholders are formally non-profit NPFs, are preparing to change their ownership structure. However, there were no details then. Yesterday, the general director of the NPF Gazfond Pension Savings (whose sole shareholder is the non-profit NPF Gazfond) Andrei Kokin said that an option is being considered in which the NPF will become a shareholder commercial organization, which is a “daughter” of the non-profit Gazfond. “We are discussing this scheme with the Bank of Russia,” he clarified. Mr. Kokin also recalled: the law does not indicate that the owner of a commercial structure - a shareholder of an NPF - cannot be a non-profit organization.

Until 2014, all NPFs were non-profit organizations and had no official owners, that is, it was possible to understand who controls the fund only by indirect evidence. Reform pension system was carried out, among other things, with the aim of achieving transparency of its participants. Initially, savings funds had to be incorporated and disclose owners of any legal form. At this stage, several funds split up - they separated a fund with pension savings and transformed it into a joint-stock company, indicating a non-profit NPF as the 100% owner (usually it contains pension reserves). According to this principle, such funds as Gazfond (with the allocation of NPF Gazfond Pension Savings), LUKOIL-Garant, Surgutneftegaz, Neftegarant, Soglasie, Social Protection (with the allocation of NPF Sibirsky capital"), "Atomgarant". But, according to clause 5, part 1, art. 19 of the law on guaranteeing the rights of insured persons, which comes into force on January 1, 2016, a non-state pension fund is recognized as meeting the requirements of the guarantee system if its shareholders are individuals or legal entities created in the form economic company. That is, non-profit structures (for example, non-profit pension funds) cannot be among the shareholders of such a non-state pension fund starting next year.

According to executive director NPF "Surgutneftegaz" Ruslan Gabdulkhakov, the fund's management is currently discussing various options for changing the ownership structure. “This is the corporatization of a non-profit NPF, or the sale of a fund with savings, or a change in the shareholder of a non-profit NPF to a structure like a closed-end mutual investment fund,” he clarified. “The question is how the regulator will look at each of the options.” At NPF LUKOIL-Garant, the issue of changing the shareholder structure has not been resolved. Neftegarant reported only that “in fixed time the fund implements the necessary activities in full compliance with the requirements current legislation". However, according to the head of a large non-state pension fund, "an option similar to the idea of the Gazfond Pension Savings is being considered by at least two more funds."

Experts are not sure that such a scheme for disclosing shareholders will fully suit the regulator. “You need to understand what the Central Bank would like to see. Yes, from the point of view of compliance with the letter of the law, everything is in order. But, probably, such a system does not correspond to the spirit of the law: it was assumed that all funds working with savings would show who is the beneficiary and receives benefits from running a pension business,” says Sergei Okolesnov, general director of the consulting company Pension Partner.

The Bank of Russia did not respond to Kommersant's request yesterday.

Understanding the management system of the Pension Fund of the Russian Federation gives the best idea of its work throughout the country and the tasks it faces. Based on the official report of the Pension Fund on its activities for 2017, we tell you what this system consists of.

What does the Foundation do?

The Pension Fund of Russia (aka PFR) is one of three created by the state off-budget funds(+ FSS, FFOMS), which are entrusted with mandatory functions social insurance in our country.

As for the Pension Fund of Russia, it acts as a state insurer under compulsory pension insurance- OPS. Its activities are coordinated by the Ministry of Labor and Social Protection of Russia.

The basis of the PFR management system is the directions of its activities. They are as follows:

taking into account the rights of citizens regarding compulsory health insurance, pension and social security from the state;
assignment and payment of pensions under compulsory pension insurance and pension provision from the state;
assignment and financing of social benefits;
formation, assignment and payment of pension savings;
conducting state programs on maternity capital and co-financing of voluntary pension savings;
subsidizing social programs regions;
international cooperation on pension and social security issues;
outreach.

Foundation Personnel

The functioning of the management system of the Pension Fund of the Russian Federation would be impossible without qualified employees. Interestingly, they do not have the status of civil servants.

As of 2018, the Pension Fund system employs about 108.8 thousand people. The age of the majority of specialists (62%) is from 30 to 50 years.

88% of the Foundation's employees higher education. Almost half have served in the Pension Fund for more than 10 years. The vast majority of the Foundation's employees are women.

During 2017, the Pension Fund hired 17.3 thousand people. As part of improving the management system of the Russian Pension Fund, the staff was ultimately reduced by 10% due to:

with optimization of the management structure;
transferring the function of administering insurance premiums to the Tax Service.

Pension system participants

Another necessary element of the PFR organization system is its participants.

Scope of activity

Geographically, the Pension Fund operates:

throughout Russia;
at Baikonur;
In Kazakhstan.

The Foundation has branches in all major populated areas countries. As of 2018, it has about 2.46 thousand units.

Information environment

As part of the system for managing the activities of the Pension Fund, special databases are formed:

With information about the pension and social rights of all Russians.
Foreigners registered in the OPS system.

Improved in 2017 Information system AIS PFR – 2 allowed:

increase the efficiency of the Fund’s territorial bodies throughout the country;
improve the quality and timing of public services provided to citizens.

State programs

The Pension Fund runs 2 national programs.