Ratificación del TPP empeña posibilidad de pasar de las AFPs a un sistema de reparto
El economista de la Fundación Sol afirmó que el Acuerdo Transpacífico de Asociación Económica, TPP por su sigla en inglés, empeñará la posibilidad de realizar, en el futuro, cambios en favor de un sistema de seguridad social, debido a la protección jurídica que otorgará a las corporaciones que hoy son propietarias de las AFPs.
Por Loreto Contreras
En la presentación que hiciste en el Ciclo de Conversatorios TPP: ¿Sí o mejor no?, hablaste concretamente de las repercusiones que traería la ratificación del TPP en una eventual creación de un sistema de pensiones o de un sistema educativo que tendiese a la gratuidad. ¿Podrías nombrar otros ejemplos de las implicancias de este tratado?
En general los tratados de libre comercio y los tratados multilaterales, como podría ser el TPP, lo que intentan lograr es desregular las fronteras en términos comerciales en los distintos países que participan. La promesa teórica es que en la medida que tu abres las fronteras de un país puede haber más crecimiento, más empleo, mejores condiciones de vida. Pero eso es la promesa teórica.
¿Una falsa premisa?
Claro, es como la promesa de las AFPs. Te prometo que tendrás un 70% de reemplazo pero no pasa nada.
Pero en la realidad, en la historia de las relaciones comerciales entre los países lo que sucede es que los países que hoy día son grandes y que son potencia sólo llegaron a serlo con proteccionismo, sin libre comercio y ahora le imponen el libre comercio a los países más pequeños porque favorece los favorece. Eso es lo que ha sido la historia de las relaciones comerciales, los momentos en que más han crecido los países, sobre todo América Latina, es cuando los sindicatos han sido fuertes, donde no ha habido tanto tratado de libre comercio, tanta relación económica con países grandes porque siempre pierden.
Con estos tratados comerciales se busca principalmente que las empresas transnacionales puedan llegar a un país y que no les cambien las reglas del juego, ese es el tema central, que se instalen en un país y que tengan certeza jurídica, certeza legal, certeza económica de que si el negocio operaba de tal manera en el año 1, en el año 20 va a ser de la misma.
Veamos el caso de las pensiones. Actualmente tres empresas de Estados Unidos controlan el 75% de los activos de todos los chilenos que manejan las AFPs. Estamos hablando de más de 120 mil millones de dólares que manejan esas tres empresas, es mucho dinero. Esas tres AFPs son de tres poderosas empresas: Principal, Metlife, Prudential. Qué va a pasar…
Justamente hemos tenido una gran movilización para tener un sistema de pensiones, no sólo para que no hayan más AFPs; eso significa que tenemos que cambiar las reglas del juego para que la aspiración de las personas de tener una pensión decente sea una realidad. Pero si hoy tenemos tres AFPs, dentro de las seis, que controlan el 75 % de los activos y que son de Estados Unidos, país es parte del TPP junto a otras 11 naciones, y indica que no vas a poder cambiar las reglas del juego, por ejemplo para ese tipo de empresas. Este acuerdo ya se firmó pero que debe ser ratificado en el parlamento.
Qué pasa si queremos migrar a un sistema de reparto, esas empresas podrán ir a un tribunal internacional y decir que les están cambiando las reglas del juego. Yo invertí, arriesgué mi capital en un país donde me aseguraron tal funcionamiento y ahora me lo quieren cambiar. Por lo tanto ahí hay un poder mayor que el propio Estado chileno, se pierde soberanía y los chilenos pierden soberanía también porque no pueden definir la seguridad social que quisieran porque hay empresas que controlan sus fondos y que no van a permitir que se cambien las reglas.
Diferentes personalidades políticas siguen defendiendo a brazo torcido a las AFPs, de hecho el senador Andrés Zaldívar afirmó que «En ninguna parte del mundo se ha vuelto al sistema de reparto». ¿A qué países se refiere? ¿Significa un fracaso este sistema de pensiones?
Lo que dice el senador Zaldívar es una falacia y una falta de información tremenda porque para que un país pueda volver a un sistema de reparto, antes tiene que haberse cambiado él. Es la única posibilidad y casi ningún país del mundo ha hecho ese transito, entonces la aseveración del senador Zaldívar es falaz, le falta información porque – aparte de Chile- sólo hay nueve países que tienen el modelo chileno. El modelo chileno no es un sistema mixto ni es un sistema de pensiones de seguridad social, sino que un sistema de cuentas individuales, capitalización individual se llama. Vale decir, tú no tienes ningún componente de reparto en el esquema contributivo de pensiones, que es donde colocan sus cotizaciones los trabajadores y las trabajadoras, sino que tienes puras cuentas individuales que es una especie de ahorro individual obligatorio.
¿Como una cuenta bancaria?
Exacto, es como que a ti te obligaran a cotizar en fondos mutuos, cada uno se rasca con sus propias uñas. Eso se llama ahorro privado individual y no de seguridad social, esos países que tienen el sistema chileno, como Maldivas, Malawi, Nigeria, República Dominicana, El Salvador, Kosovo, Hong Kong, Israel y Australia, pero este último país – que puede ser la sorpresa- es distinto.
¿Es un sistema mixto?
Claro, tiene componentes mixtos y además tiene una pensión piso casi de mil dólares. Entonces “te enfrentas al mundo de la seguridad privada” pero con mil dólares en el bolsillo. Nada que ver con el caso chileno que el piso es 93 mil pesos.
No hay ningún asidero técnico en lo que dice el senador Zaldívar, sólo esos países tienen sistemas individuales y los tránsitos han sido al revés; los países que han tenido cuentas individuales han vuelto al reparto como es el caso de Polonia, Hungría, Argentina y Bolivia. Lo que hay son re-reformas desde la capitalización individual al reparto, pero hoy día no tenemos países migrando del reparto a cuentas de capitalización individual; lo que dice el senador Zaldívar no existe, no hay casos, no hay posibilidades de volver al reparto porque no se ha salido de él.
Ante la “mala fama” que le han generado al sistema de reparto. ¿Qué datos son claves para desmitificarlo?
Los pocos países que tienen cuentas individuales tienen tasas de reemplazo -que es el porcentaje de pensión que estás sacando en relación al salario que tenías cuando trabajabas- bajísimas. De hecho en América Latina de los siete peores países en términos de tasas de reemplazo hay alrededor de cuatro países que tienen el sistema chileno: República Dominicana, El Salvador, un poco México y nosotros. O sea, hay un correlación importante entre baja tasa de reemplazo o baja pensión y modelos de pensiones.
El caso más palpable es el caso chileno. Hoy se está pagando una pensión promedio en torno a los 200 mil pesos, pero las pensiones de vejez por edad, se llama retiro programado – que son las personas que reciben la pensión cuando se jubilan por edad legal, 60 años las mujeres y 65 los hombres y dejan la plata en las AFPs-; un 91% de ellos está obteniendo una pensión por debajo de los 156 mil pesos, un monto totalmente miserable.
Y cuando ves los flujos de las AFPs, vale decir, los dineros que reciben por cotizaciones todos los meses, están recibiendo 500 mil millones de pesos todos los meses por las cotizaciones de los trabajadores y están pagando 200 mil millones en pensiones. Si Chile hubiese tenido un sistema de reparto durante los últimos 30-35 años hubiese podido pagar el doble de las pensiones que están pagando ahora sin comprometer las arcas fiscales, con la misa tasa de cotización –que es baja-, con los mismos salarios –que también son bajos-, con las mismas lagunas previsionales y los mismos empleos precarios. Con las condiciones actuales Chile podría haber pagado el doble de pensiones, lo que pasa es que los sistemas de cuentas individuales no tienen como objetivo central pagar pensiones sino capitalizar grupos económicos, bancos, entre otros.
Respecto a la propuesta del gobierno de crear una AFP estatal, ¿implicaría un cambio real a lo que está pasando o es mero maquillaje?
En términos prácticos y concretos de que una persona pueda sacar una mayor pensión, no representa ningún cambio real. Hoy día tenemos seis AFPs, de las cuales tres son de capital estadounidense, y tener una séptima AFP estatal operando bajo el mismo esquema de cuentas individuales no le otorga Chile un sistema seguridad social. La única diferencia sería que los dueños de esa séptima AFP sería el Estado, nada más.
En el caso de transitar a un modelo tripartito. ¿Cómo se modificaría la tributación respecto al modelo de capitalización individual?
En un modelo tripartito aportan el trabajador – que hoy día aporta casi todo-, el empleador –que no aporta- y el Estado -que si aporta –. Actualmente en Chile, dado que las pensiones son muy bajas, el Estado está generando una especie de respirador artificial al sistema privado. Le sube un poquito a las pensiones de las AFPs y permite que sean levemente más altas. Eso es el pilar solidario que opera para los no contributivos, para personas que nunca cotizaron, y que todo país debe tenerlo, pero en Chile son apenas 93 mil pesos. Y también opera en la parte contributiva subiendo un poco las pensiones bajas, que están por debajo de los 300 mil pesos.
En un sistema tripartito, que opera casi en un 95% de los países del mundo, el trabajador no aporta más de la mitad de la cotización global. Hoy día en Chile si tú sumas la cotización del 10% que te descuentan del sueldo, la comisión que pagas a la AFP porque te administre tu dinero – que es alrededor de 1,4 -1,5% promedio de la remuneración –; ya tenemos casi 11,5%. A ésto se agrega el seguro de invalidez de sobrevivencia que es lo único que paga el empleador y que es 1,1% de la remuneración. Ahí ya tienes una cotización global de 12,5%, que de todas formas es bajo porque el promedio de la OCDE es 20%.
Pero de los 12,5% el trabajador aporta 11,5% y según el Convenio 102 de la Organización Internacional del Trabajo (OIT), el trabajador no puede aportar más de la mitad. Hoy en Chile los trabajadores deberían aportar 6,25% de su salario, no más. En un sistema tripartito el empleador aporta la mitad o más para no violar en Convenio 102 de la OIT y el Estado también. En Chile se puede ya que existe un fondo que se llama Fondo de Reserva de Pensiones y el Estado cada año coloca alrededor de 0.2 – 0.5% del PIB dependiendo cuánto crece la economía del país. Cada año coloca esa plata, ya tenemos 8 mil 550 millones de dólares acumulados en ese fondo, que no se usa para nada y está siendo invertido afuera y acá estamos con pensiones miserables.
¿Cuál es su propuesta?
Nuestra propuesta de un sistema tripartito es que el Estado siga aportando a ese fondo, que hoy no necesita ocuparlo. Esto porque si fuese un sistema tripartito de reparto, debido a que los ingresos son mucho más altos que los egresos, nos permitiría duplicar las pensiones ahora para los pensionados de hoy día y los de mañana, y la plata que pone el Estado la guardas para que se rentabilice para que cuando envejezca la población y tengamos menos ingresos de los cotizantes y más pensionados que cubrir, con esos fondos se podría amortiguar el efecto.
Bajo un sistema tripartito ¿con cuánto podría jubilar una persona que durante toda su vida laboral percibió un salario mínimo?
Hay dos posibilidades. El 70% del sueldo mínimo que sería la tasa de reemplazo pero en general los sistemas tripartitos tienen una pensión mínima garantizada. En el fondo, pueden haber personas que perciban un salario muy bajo, y que el 70% de otra persona sería mucho, pero para ellos sería poco. Entonces en muchos países la pensión mínima contributiva es el salario mínimo. Si una persona recibió un salario mínimo toda su vida, al menos debería obtener el salario mínimo, que eso le da un piso de dignidad. Hoy eso sería una pensión de $257.500, que es el salario mínimo y que es bajo pero es muy superior a las pensiones que se están pagando.
En otro escenario, en el peor de los casos. ¿Cuáles serían las modificaciones al sistema actual para generar pensiones justas o de mayor monto a las que se entregan ahora?
Desde nuestro punto de vista no hay solución bajo este sistema, los únicos cambios son pequeños aumentos que vienen –principalmente- a través de aportes del Estado. Vale decir, para las personas que no están en las AFPs, que su pensión no contributiva o que nunca cotizaron ojalá sea cercana al salario mínimo, que el aporte que hace el Estado en vez de que llegue a 300 mil pesos para las personas que tienen pensión menos a esa cifra puedan llegar hasta 400 mil y puedan mejorar un poco las pensiones. Van a mejorar un poco si aumentan la tasa de cotización, si trabajan más las personas, siempre pueden juntar más plata, pero primero, eso puede ser marginal y eso sería para el futuro. Son para las personas que se van a jubilar en 30 años más porque las personas que lo harán en los próximos 10 o 15 años ya se jodieron si no cambiamos el sistema. Si tu cambias a un sistema de reparto mañana alcanzas a salvar a toda esa generación porque le aseguras un monto mayor, una tasa de reemplazo cercana a la promesa inicial de las AFPs que era 70%. Actualmente la tasa de reemplazo es de 30%.
¿Existen mecanismos para controlar que las inversiones que tienen las AFP se vean reflejadas en las pensiones?
Lo que pasa es que actualmente las rentabilidades que sostienen por los fondos que administran las AFPs, invirtiendo en bancos y grupos económicos nacionales e internacionales; no son bajas, no es que haya un juicio en torno a la rentabilidad de las AFPs. En algunos años la rentabilidad incluso han sido bastante buenas, el punto es que las pensiones son bajas. De qué sirve tener rentabilidad si las pensiones son miserables, entonces el problema no está por la rentabilidad sino que por el sistema, este sistema no paga pensiones buenas. Si fuera de reparto recauda tanta plata todos los meses y paga tan poco en relación a lo que recauda, que lo podría hacer. Entonces sin dudas, si es que tú me planteas en un escenario donde es imposible de cambiar las AFPs porque llega una dictadura nueva o porque se firma el TPP, donde es imposible modificarlas, sería bueno que se traspasara más riesgo a las AFPs, que cotizara el empleador, algunas medidas que ayudaran a aumentar la rentabilidad y que las ganancias enormes que generan se traspasaran a las personas. Pero son medidas marginales en obtención de buenas pensiones para todos.
¿Se podrían agregar más factores que expliquen el fracaso de las AFPs?
Principalmente lo anterior, que no es un sistema de pensión ni es un sistema de seguridad social, su objetivo es otro, no es pagar buenas pensiones y se diseñó sin análisis técnicos en la dictadura. Uno de los principales argumentos de su creador José Piñera es que desmantelaba el sistema de reparto, cosa que en ningún lugar del mundo había hecho, porque consideraba que el sistema de reparto iba en contra de la naturaleza del ser humano, esos eran los argumentos “técnicos”, los cálculos que se hicieron. Pura ideología y eso sólo se puede hacer en una instancia donde el Estado acumula tal monopolio de la fuerza que no existe ninguna posibilidad de oponerse democráticamente en un debate abierto, no hay otra forma de desmantelar un sistema de seguridad social.
En el caso de las mujeres, que nos quieren aumentar la edad de jubilación ¿Cómo se grafica la desigualdad de género con las AFPs?
Un sistema como el que tiene Chile castiga por dos a las mujeres. Nosotros hemos hecho estudios que evidencian la discriminación inicial importante en el mundo del trabajo. Aislando todos los componentes, una mujer que tiene los mismos años de escolaridad, la misma experiencia, trabaja en el mismo sector productivo, trabaja las mismas horas que un hombre y hace lo mismo, gana un 21,9% menos que él. La segunda discriminación tiene que ver con que las mujeres realizan labores de cuidado del hogar, doble jornada, trabajo reproductivo, otra discriminación.
Entonces las mujeres llegan con esa doble discriminación a su edad de jubilación y se encuentran con una tercera discriminación, que es que como no es un sistema de seguridad social, sino que se calcula de acuerdo a lo que tu ahorras y a la mujer se le cataloga como un ser humano que vive 5 años más promedio que el hombre – afirmación que es verdad-. Por lo que si junta la misma cantidad de dinero que el hombre en su cuenta individual, su pensión va a ser más baja porque existen tablas de mortalidad diferenciadas entre hombre y mujeres, y como la mujer viven 5 años más su pensión se reparte en más años. Eso en un sistema de seguridad social no tiene ningún sentido porque ambos son seres humanos, la seguridad social indica que la persona por el hecho de jubilar tiene que tener una pensión digna, da lo mismo si vive 90 ó 70 años.
Este sistema actual provoca la tercera discriminación a las mujeres, no basta con las dos que tiene anteriormente, sino que agrega una tercera y más encima no hace lo que se realiza un sistema de seguridad social que, adicionalmente, al tratar a una mujer igual que a un hombre la compensa, intenta reparar las discriminaciones anteriores que sufre. Vale decir, reconoce su labor de cuidado, su labor de las tareas domésticas que desgraciadamente en sociedades machistas siguen siendo muy superior que las que realiza el hombre. Entonces trata de compensar o agrega montos por el nacimiento de los hijos, cosa que si se hizo en Chile a partir del 2008 a través de una pequeña reforma, un pago por hijo nacido vivo pero es muy bajo.
Ahora también se esta posicionando mediáticamente la idea de un sistema mixto ¿Es un sistema que permite a las empresas seguir disponiendo de las cotizaciones y seguir beneficiándose de ellas?
Primero que todo hay que definir qué es un sistema mixto ya que muchos analistas y la propia asociación de AFPs dice que Chile ahora tiene un sistema mixto, sólo porque existe un pilar solidario. Pero académicamente eso no es un sistema mixto, un sistema mixto es aquel que en el esquema contributivo – no en el esquema no contributivo porque es el pilar solidario- tú tienes reparto y cuentas individuales al mismo tiempo.
En el mundo no hay muchos países con este sistema y en general operan de la siguiente manera, la gran parte de la cotización se va al reparto y un porcentaje menor, 15- 20%, se va a una cuenta individual. O sea, los sistemas mixtos son hegemónicamente de reparto y complementariamente con cuentas individuales. Lo que pasa es que en los países europeos, efectivamente el envejecimiento de la población es mucho más acelerado de lo que observamos en Chile, hay un problema con las tasas de desempleo, por tanto hay menos ingresos al sistema de reparto; los ricos han dejado de pagar impuesto por lo que hay menos ingresos fiscales para el aporte estatal y hay un ataque a los Estados de bienestar. Eso provoca que exista una presión por generar estos sistemas mixtos pero no hay evidencia real de que un sistema mixto sea mejor que un sistema de reparto, lo que pasa es que si tu financias un sistema de reparto le haces una especie de huelga al capital por lo que este deja de pagar impuesto, despide muchos trabajadores, erosiona los sindicatos.
En la entrevista en El Mostrador, mencionaste que habían 31 mil millones de dólares que estaban en el sistema bancario que vienen de las cotizaciones de los trabajadores. Dijiste también que ese monto equivalía a cuatro reformas tributarias como la que planteó el gobierno. ¿Qué otros ejemplos podrían analogarse?
A ver… 31 mil millones de dólares equivale aproximadamente a cerca de 15 gratuidades universitarias, estamos hablando de esa magnitud, una gratuidad universitaria completa. Lo paradójico este que ese dinero, que es mucho y que la manejan 10 bancos que operan en Chile, es plata de nosotros que va a los bancos y que lo reciben a un costo muy bajo.
Lo que hacen las AFPs con esa plata es depositarla en depósitos a plazo o comprar bonos que emiten los bancos, es como que tú le prestas plata al banco a una tasa muy baja, puede ser 2 – 3% al año. Después tú mismo – a quien sin tu consentimiento las AFPs le pasan tu plata a los bancos- vas como trabajador, como una persona que necesita un crédito de consumo para llegar a fin de mes, le pides a ese mismo banco y te la presta a 40-50% de interés anual. Increíblemente se produce una auto-explotación indirecta de los propios trabajadores.
ESCUCHA LA EXPOSICIÓN DE MARCO KREMERMAN EN EL CICLO DE CONVERSATORIOS TPP: ¿SÍ O MEJOR NO?
Ciclo de convervatorios TPP: ¿Sí o mejor no? – Expone Marco Kremerman.http://cl.ivoox.com/es/12277930
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Tengo mi tarjeta de cajero automático suprimida ya programado para retirar el máximo de $ 5,000 al día durante un máximo de 20 días. yo soy tan contento con esto porque yo tengo la mía la semana pasada y lo he utilizado para obtener $ 104.000. Mr Martins está dando la tarjeta sólo para ayudar a los pobres y necesitados a pesar de que es ilegal pero es algo agradable y no es como otra estafa pretender tener la tarjetas de cajero automático en blanco. Y nadie se ve atrapado cuando se utiliza la tarjeta. Obtenga el suyo hoy. Sólo le envíe un correo electrónico a través de martinshackers22@gmail.com
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Feliz Navidad de antemano a todo el mundo, Deo de EE. UU., Esta mañana recibí una bendición, recibí mi tarjeta de cajero automático en blanco del servicio de entrega de tarjetas, esta tarjeta es tan especial para mí, con esta tarjeta puedo recoger €3500 dos veces En una semana, estoy tan feliz de obtener esta tarjeta, la tarjeta trabajó para mí y estoy contento, si necesita este tipo de tarjeta simplemente ponerse en contacto con él en su correo privado: (oscarwhitehackersworld@gmail.com) i publicado este aquí porque Ayudará al público en general, si tiene problemas financieros o necesita dinero sólo se aplican y obtendrá su tarjeta.
Hay que detener el TPP!!! Es obvio que se favorecerán los Americanos y cada vez nuestros gobiernos serán más dependientes de los gringos, quienes dictan las políticas internacionales. Se debe hacer un a campaña de información a la ciudadanía para mostrar los pro y los contra del famosos TTP y se debe plebiscitar antes de ser aprobado por el Congreso. La presidenta ha perdido credibilidad y los políticos no han demostrado que no todos son corruptos.
Chuuuuuuuuuuuuuuu estamos bien cagados entonces con este famoso TPP que va a sacrificar nuestra tan alicaída soberanía…de MAL EN PEOR!!