Tabla de Contenidos: “…Maximising recovery from bad assets -- H. Reinforcing pension arrangements -- --…”

Tabla de Contenidos: “…Income taxes -- 18. Pensions and other postretirement benefits -- 19. Stockholders' equity -- 20. …”

Tabla de Contenidos: “…Conté: Real Decreto 439/2007, de 30 de marzo, por el que se aprueba el Reglamento del Impuesto sobre la Renta de las Personas Físicas y se modifica el Reglamento de Planes y Fondos de Pensiones, aprobado por Real Decreto 304/2004, de 20 de febrero (B.O.E. de 31 de marzo de 2007). …”

Tabla de Contenidos: “…. -- 3. Novedades en la pensión compensatoria, la compensación por desequilibrio. -- 4. …”

Tabla de Contenidos: “…PÁGINA LEGAL -- INTRODUCCIÓN -- CAPÍTULO 1: EL CONSUMIDOR FINANCIERO -- 1.1 INTRODUCCIÓN -- 1.2 EL SISTEMA FINANCIERO -- 1.3 ENTIDADES DEL SISTEMA FINANCIERO -- 1.4 EL CONSUMIDOR FINANCIERO Y SUS CARACTERÍSTICAS -- 1.5 PERSPECTIVAS DEL CONSUMO FINANCIERO -- CAPÍTULO 2: ENTIDADES GUBERNAMENTALES Y PRIVADAS -- 2.1 INTRODUCCIÓN -- 2.2 SUPERINTENDENCIA DE BANCA, SEGUROS Y AFP: ROL EN RELACIÓN CON EL CONSUMIDOR FINANCIERO -- 2.3 INDECOPI: ROL EN RELACIÓN CON EL CONSUMIDOR FINANCIERO -- 2.4 BANCO CENTRAL DE RESERVA DEL PERÚ (BCRP) -- 2.5 SUPERINTENDENCIA DEL MERCADO DE VALORES (SMV) -- 2.6 BANCO DE LA NACIÓN (BN) -- 2.7 CORPORACIÓN FINANCIERA DE DESARROLLO (COFIDE) -- 2.8 BANCO AGROPECUARIO (AGROBANCO) -- 2.9 FONDO MIVIVIENDA -- 2.10 OFICINA CENTRAL DE LUCHA CONTRA LA FALSIFICACIÓN DE NUMERARIO (OCN) -- 2.11 EMPRESAS CLASIFICADORAS DE RIESGO -- 2.12 ASOCIACIONES PRIVADAS -- CAPÍTULO 3 : CONTRATACIÓN FINANCIERA -- 3.1 INTRODUCCIÓN -- 3.2 ASPECTOS GENERALES DE CONTRATACIÓN FINANCIERA -- 3.3 CLÁUSULAS GENERALES DE CONTRATACIÓN -- 3.4 CLÁUSULAS ESPECIALES DE CONTRATACIÓN -- 3.5 CLÁUSULAS ABUSIVAS -- 3.6 CLÁUSULAS DE EXONERACIÓN DE RESPONSABILIDAD -- CAPÍTULO 4: PRODUCTOS PASIVOS -- 4.1 INTRODUCCIÓN -- 4.2 TIPOS DE DEPÓSITOS -- 4.3 CUENTA DE AHORROS -- 4.4 DEPÓSITO A PLAZO -- 4.5 COMPENSACIÓN POR TIEMPO DE SERVICIOS (CTS) -- 4.6 INSTITUCIONES DE PROTECCIÓN DEL AHORRO -- CAPÍTULO 5: PRODUCTOS ACTIVOS -- 5.1 INTRODUCCIÓN -- 5.2 CRÉDITO -- 5.3 CUENTA CORRIENTE -- 5.4 TARJETA DE CRÉDITO -- 5.5 SOBREGIRO Y AVANCE EN CUENTA -- 5.6 DESCUENTO -- 5.7 FACTORING -- 5.8 ARRENDAMIENTO FINANCIERO (LEASING) -- 5.9 CARTA FIANZA -- 5.10 CRÉDITO DOCUMENTARIO -- CAPÍTULO 6: OPERACIONES NEUTRAS -- 6.1 INTRODUCCIÓN -- 6.2 FIDEICOMISO -- 6.3 COMISIÓN DE CONFIANZA -- 6.4 CAJAS DE SEGURIDAD -- 6.5 TRANSFERENCIAS (GIROS) -- 6.6 SERVICIOS DE RECAUDACIÓN -- 6.7 EMISIÓN DE CHEQUES DE GERENCIA -- 6.8 COMPRA Y VENTA DE DIVISAS -- CAPÍTULO 7: CONDUCTA DE MERCADO -- 7.1 INTRODUCCIÓN -- 7.2 PRINCIPIOS DE CONDUCTA DE MERCADO -- 7.3 ELEMENTOS DE TRANSPARENCIA DE LA INFORMACIÓN -- 7.4 OFICIAL DE CONDUCTA DE MERCADO -- 7.5 DERECHO DE LOS CONSUMIDORES FINANCIEROS -- CAPÍTULO 8: SISTEMA ASEGURADOR -- 8.1 INTRODUCCIÓN -- 8.2 DEFINICIÓN DE SEGURO -- 8.3 ELEMENTOS DEL SEGURO -- 8.4 TIPOS DE SEGUROS -- 8.5 PRINCIPIOS DEL CONTRATO DE SEGURO -- 8.6 PROTECCIÓN DEL ASEGURADO -- 8.7 INTERPRETACIÓN DE LOS CONTRATOS DE SEGUROS -- 8.8 TRANSPARENCIA EN LOS SEGUROS -- 8.9 LOS SEGUROS EN LOS PRODUCTOS FINANCIEROS Y BANCASEGUROS -- CAPÍTULO 9: SISTEMA PREVISIONAL -- 9.1 INTRODUCCIÓN -- 9.2 EL SISTEMA DE PENSIONES PERUANO -- 9.3 AFILIACIÓN Y APORTES -- 9.4 BENEFICIOS DE LOS SISTEMAS DE PENSIONES -- 9.5 MODALIDADES DE LOS SISTEMAS DE PENSIONES -- 9.6 CRITERIOS PARA DEFINIR EL MONTO DE LA PENSIÓN EN EL SPP -- 9.7 NUEVOS BENEFICIOS DEL SPP -- CAPÍTULO 10: SISTEMA DE PREVENCIÓN DE LAVADO DE ACTIVOS -- 10.1 INTRODUCCIÓN -- 10.2 LAVADO DE ACTIVOS, FINANCIAMIENTO DEL TERRORISMO Y SUS CONSECUENCIAS -- 10.3 LA UNIDAD DE INTELIGENCIA FINANCIERA (UIF) Y EL SISTEMA DE PREVENCIÓN DEL LAVADO DE ACTIVOS (SPLAFT) -- 10.4 IMPLICANCIAS DEL SPLAFT PARA UN CONSUMIDOR FINANCIERO -- CAPÍTULO 11: HACIA EL BIENESTAR FINANCIERO -- 11.1 INTRODUCCIÓN -- 11.2 ESQUEMA PARA ALCANZAR EL BIENESTAR FINANCIERO -- 11.3 DESARROLLAR HABILIDADES -- 11.4 EMPLEAR INSTRUMENTOS FINANCIEROS -- REFERENCIAS…”

“…Policy efforts are also warranted to tackle informality, which is increasing rapidly, and to close the gender gap in the labour market. The health and pension systems play a fundamental role in maintaining social cohesion in Costa Rica and it is crucial to modernise them and to make them sustainable in the face of demographic challenges. …”

“…Though a number of important steps to control the future evolution of spending, such as pension reform and healthcare reform, have already made in Poland, much more needs to be done. …”

“…The tax system is also more neutral vis-à-vis private saving than in most other countries, in particular because no general incentives are provided to private pension saving. There is hence no immediate need for major tax reform, but several second order issues should be addressed in order to reap the full benefit of an otherwise well-functioning system. …”

“…Through compulsion and tax relief public policy contributes to private pension plans, and such arrangements are generally considered within the social domain. …”

“…In the next decade, the effects of population ageing on entitlement spending will be increasingly felt and the fiscal situation could deteriorate significantly in the absence of structural reforms of pension and, especially, health-care programmes…”

“…These recommendations are designed to alleviate some of the pension and health care pressures governments are facing because of ageing populations…”

“…Firstly, to raise labour force participation of the elderly the pension system needs to be reformed by removing incentives for early retirement and facilitating gradual exits from the labour force. …”

“…A reduction in capital gains tax rates and liberalisation of rules for pension fund investments in risky assets in the late 1970s also unlocked new capital sources. …”

“…The introduction of an in-work benefit for workers in low-income households, subject to a minimum of hours worked, could lower barriers to higher employment which result from a relatively high tax wedge on lowskill workers, as would the elimination of poverty traps in the pension system. Measures to improve mobility of workers across regions, notably housing policy reform, would lower long unemployment durations, as would the provision of more training to the unemployed. …”

“…The Netherlands is better placed than most OECD countries to meet these pressures because it has a large, funded occupational pension system in place. This advantage will be reinforced if the government adopts the policy that it is considering of pre-funding ageing-related budget outlays, which would entail paying off government debt over the next quarter century. …”

“…Special chapters on fiscal policy and housing policy are included along with suggestions for improving the pension system…”

“…The female employment rate is especially low, in part due to poorly designed family and pension policies. Insufficient product-market competition and obstacles to internal mobility induce significant resource misallocation. …”

“…Policy issues covered include sick leave compensation and disability benefit, the old-age pension’s role in early retirement, education and skills, and immigrant integration…”

“…This Latin American Economic Outlook , the first volume in an annual series by the OECD Development Centre, provides original insights and comparative indicators on four key issues affecting Latin America's development: the impact of fiscal performance on democratic legitimacy; the relevance of pension fund reform and governance for national saving and capital markets deepening; the role market-seeking…”

“…With interactive tools such as spreadsheets for valuation, pricing, and modeling, this resource combines highly mathematical quantitative analysis with useful, practical methodologies to create an essential guide for investment and risk-management professionals facing modeling issues in insurance, derivatives valuation, and pension benefits, among others. In addition to this, this resource also provides the relevant tools like matrices, calculus, statistics and numerical analysis that are used to build the quantitative methods used. …”