European Insurance and Occupational Pensions Authority (EIOPA) e lokolitse Risk Dashboard ea eona ea morao-rao, e fanang ka lintlha tse mabapi le bophelo bo botle ba lichelete tsa penshene tsa basebetsi tsa Europe, tse tsejoang ka molao e le Institutions for Occupational Retirement Provision (IORPs). Liphuputso li bontša boemo ba kotsi bo tsitsitseng ka kakaretso; leha ho le joalo, lipelaelo tse kholo mabapi le likotsi tsa 'maraka li ntse li tsoela pele har'a ho hloka botsitso ho tsoelang pele le bofokoli ba' maraka oa thekiso ea matlo.
Tlaleho e senola hore ho pepeseha ha li-IORP 'marakeng le likotsi tsa ho khutlisa thepa ho ntse ho le holimo ka lebaka la ho feto-fetoha ho sa feleng ha mebaraka. Boemo ba moruo o moholo bo bonts'a likotsi tsa boemo bo mahareng, ka kholo ea GDP e lebelletsoeng ho pholletsa le libaka tse kholo tse bonts'ang mekhoa e metle empa e ntse e haelloa ke lipalo tsa nalane. Maikutlo ana a halefileng a bontša mathata le lipelaelo tse tobaneng le moruo oa Europe ha li ntse li tsamaea litseleng tsa ho hlaphoheloa.
Likotsi tsa mokoloto li ntse li tsitsitse maemong a mahareng; leha ho le joalo, ho bile le keketseho ea li-credit default swaps (CDS) tse phatlalalitsoeng bakeng sa litlamo tsa khoebo tse boletsoeng bofelong ba Phuptjane 2024. Ka lehlakoreng le leng, ho ata ha litlamo tsa mmuso ho 'nile ha lula ho tsitsitse, ho fana ka maikutlo a hore ho na le sebaka se fapaneng sa kotsi pakeng tsa likalimo tsa khoebo le tsa boipuso.
Maemo a phahameng a ho hloka botsitso a 'nile a hlokomeloa limmarakeng tse peli tse tsitsitseng tsa chelete e kenang le ea tekano, kaha tlaleho e totobatsa ho theoha ho hlokomelehang ha litheko tsa thekiso ea matlo ho pholletsa le Euro Area. Ho theoha hona ho bakoa haholo-holo ka lebaka la liqholotso lekaleng la thekiso ea matlo le meaho, e ntseng e le taba e mahlonoko eo ho amehang lichelete tsa penchene tse itšetlehileng ka ts'ebetso e tsitsitseng ea thepa. Leha ho le joalo, ho na le lesela la silevera; Lintlha tsa morao-rao tsa selemo li bonts'a ts'ebetso ea potefolio ea IORPs bakeng sa 2023, haholo-holo e tsamaisoang ke phaello e ntle ea 'maraka.
Likotsi tsa ho boloka le lichelete bakeng sa melemo e hlalositsoeng ea IORP li hlahlojoa e le tse sa fetoheng boemong bo mahareng. Matla a lichelete a lichelete tsena a ntse a tsoela pele ho tšehetsoa ke phaello e ntseng e phahama ho tloha kotara ea pele ea 2024. Ho feta moo, likotsi tsa ho tsepamisa mohopolo li fokotsehile ha li bapisoa le kotara e fetileng, e leng ho bonts'a ts'ebetso ea lichelete tse fapaneng har'a li-IORP. Haholo-holo, ho pepeseha ha li-IORP libankeng le mesebetsing e seng ea libanka ho bile le keketseho e nyane.
Ho feta moo, mekhahlelo e meng eohle ea likotsi hajoale e ntse e lekola maemong a mahareng, empa ho na le ngongoreho e ntseng e hola e amanang le dijithale le likotsi tsa cyber. Tlaleho e bontša keketseho e ka bang teng ea likotsi tsena likhoeling tse 12 tse tlang, e totobatsa tlhoko ea hore li-IORP li matlafatse mehato ea tsona ea ts'ireletso ea marang-rang ha li ntse li ikamahanya le maemo a ntseng a eketseha a dijithale.
Dashboard ea Likotsi ea EIOPA e fana ka kakaretso e akaretsang ea bofokoli ka har'a lekala la IORP la European Economic Area (EEA), ho tsoa litlalehong tsa taolo ho tsoa ho 625 IORPs. E kenyelletsa merero e hlalositsoeng (DC) le e hlalositsoeng ea melemo (DB), e fanang ka pono e fapaneng ea bophelo bo botle ba lichelete le likotsi tse tobaneng le merero ena ea penshene.
As Europe e sebetsana le likhatello tse peli tsa ho hlaphoheloa ha moruo le ho tsieleha ha 'maraka, maikutlo a EIOPA a sebetsa e le khopotso e nakong ea mathata a susumetsang tokisetso ea ho tlohela mosebetsi. Leha tlhahlobo ea hajoale ea likotsi e ipapisitse le botsitso, likotsi tse bonts'itsoeng li totobatsa bohlokoa ba ho falimeha le taolo e matla ka har'a lekala la IORP ho sireletsa chelete ea ho tlohela mosebetsi ea limilione ho pota. Europe.
