Una reforma de les pensions al servei del capital financer

En aquests dies de xerrades i trobades sobre la “destralada” contra les pensions, una de les coses que més sorprèn a tothom i més preguntes es fan és que el càlcul sobre la revalorització anual ja no es farà a partir de l’Índex de Preus al Consum (IPC) sinó a través d’una nova fórmula anomenada FRA (Factor de Revalorització Anual): una fórmula especialment complexa i opaca, amb variables econòmiques impossibles d’entendre pel comú de mortals i que seran a gust del govern doncs incorporen dades macroeconòmiques com la previsió de creixement del Producte Interior Brut.

El canvi de l’IPC pel FRA és il•lustratiu de l’opacitat amb la que el Govern Rajoy vol prosseguir, seguint el ‘dictat’ de la Comissió Europea, amb un dels atacs més seriós contra les condicions de vida de la majoria de la gent gran.

EnviaA les xerrades és interessant repartir una fotocòpia del FRA i iniciar un diàleg perquè algú expliqui que és l’IPC i com es revaloritzen fins ara les pensions i algú altre intenti explicar com entén de la “nova fórmula”… això dóna peu a poder parlar de l’opacitat, del valor de les paraules, dels mitjans de comunicació, de qui hi guanya i qui hi perd, de qui “roba” i qui “es robat”…

Si fins ara tota la ciutadania sabia -poc o molt- calcular quin import tindria aquesta revalorització doncs l’IPC és públic i es dona compta de les seves variacions en els mitjans, ara serà quasi bé, com em deien l’altre dia, “això del FRA és un galimaties”.

I és que va estenent-se el convenciment que l’objectiu del govern és la reducció real i constant de les pensions malgrat la publicitat enganyosa de la ministra Báñez: “Les pensions pujaran un 0,25%”, han repetit des dels faristols del govern del PP i els mitjans de comunicació afins al govern. Però la realitat és que les pensions no pugen, no augmenten… és qüestió de sumes i restes. Si la inflació el 2013 serà (per exemple) del 2,25% la tossuda realitat és que el conjunt de pensionistes perd un 2% de poder adquisitiu. No pugen, baixen!.
Per primera vegada un govern reduirà les pensions actuals (no només les futures com ha passat amb altres “reformes”). Aquesta reducció pot significar una pèrdua de poder adquisitiu d’entre un 20% i un 30% en deu anys.

Les estimacions de la pròpia comissió d’experts i la memòria de l’impacte econòmic de l’avantprojecte de llei és que l’aplicació de la nova fórmula de l’índex de revalorització anual ja permetrà a l’Estat Espanyol reduir la despesa en pensions en 810 milions d’euros el 2014 del nou de les pensions. La suma de la retallada de 2014 i 2015, 2016… farà que la reducció sigui al voltant de 5.000 milions d’euros cada any a partir del 2019. En total, 33.000 milions d’euros menys a pagar en pensions els pròxims anys.

Un govern al servei del capital financer

EnviaEl govern del PP que no han parat de mentir sobre les pensions continuadament parlen per justificar les seves mentides de la “crisi dels sistema de pensions”, de la “necessària reforma per fer-lo sostenible” això sí, sempre acompanyat d’informes d’experts… nomenats pel govern amb el vist i plau de bancs i asseguradores.

Informes de l’FMI ja parlaven fa anys contra els “avanços científics” que allarguen l’esperança de vida de la població a nivell mundial. Com sempre ho feia no per “alegrar-se’n”, sinó per alertar als governs contra la despesa social incloses les pensions, que alhora permeten allargar més l’esperança de vida.

La CEOE, que agrupa la gran patronal espanyola, ja va exigir al govern Rajoy “desvincular las pensiones de l’IPC e introduir noves variables com l’esperança de vida, el percentatge entre cotitzants i perceptors o l’evolució de les dades macroeconòmiques”. Com pot comprovar-se el govern Rajoy és un fidel servidor dels interessos de la patronal.

Les pensions són massa generoses?

Les pensions són la major eina de redistribució de la riquesa, això és el que volen carregar-se. Un parell d’exemples:

Les pensions són transferències socials i tenen un paper bàsic en la reducció la pobresa, sense les pensions quasi la meitat de la població viuria per sota del llindar de la pobresa (el 48,7%), amb les pensions aquest percentatge passa a ser del 23,8%. Les pensions no són una despesa (social) són una inversió (social) tal com diu l’informe ECAS, per la seva capacitat de prevenir la pobresa i frenar la desigualtat.

El 54% de las pensions és menor al salari mínim, la pensió mitjana és de 856€, la de viudetat és de 617€ i segons CC.OO. actualment el 28% de les llars (mal) viuen gràcies a una pensió com a única font d’ingressos i això que l’Estat Espanyol dedica a les pensions tres punts menys que la mitjana de la UE.

És tant així que el Govern Rajoy vol carregar-se també la base del sistema de pensions basat en la “solidaritat intergeneracional”, basat en que els que avui cotitzem paguem la pensió dels pensionistes d’avui.

I això és vol fer introduint el Factor d’Equitat Intergeneracio­nal: que es basa en que les persones que accedeixin a la seva pensió, veuran reduir el seu import per cada any que augmenti l’esperança de vida de la població. De nou una fórmula opaca que té com a finalitat reduir la inversió en unes pensions que permetin una vida mínimament digne.

Qui guanya amb el “pensionazo”?

Naturalment tot és fa sota l’amenaça de la crisi econòmica: menys ingressos, menys treballadors cotitzant, més pensionistes, més esperança de vida i la conseqüència” lògica” és que el sistema “està en perill”, és “insostenible”, “les pensions són massa generoses”… Amb els mateixos arguments ja van aprovar l’anterior reforma de 2011 que endarreria l’edat de jubilació al 67 anys i amb els mateixos experts i la CEOE ja parla d’endarrerir-la als 70.

Aquí podem veure el primer parany, fa anys i anys que ho diuen els mateixos (bancs i asseguradores) sempre posant com alternativa els plans de pensions privats… que no acaben de tenir el volum d’altres països on no hi ha un sistema públic que funciona sense lucre, al marge de la borsa o les inversions en la bombolla immobiliària i les hipoteques escombraria com ha succeït als Estats Units o la Gran Bretanya.

EnviaNaturalment, als plans de pensions privats (que voldran que també es pactin a les empreses) se’ls hi oferiran grans desgravacions fiscals.. per això sí que hi haurà diners doncs la Comissió Europea vol que els fons de pensions han de formar del mercat europeu de grans capitals.

El capital financer per seguir mantenint la seva taxa de benefici vol ser ell qui gestioni l’enorme massa monetària, fins ara al marge del mercat gràcies al sistema públic de pensions, que comportaria deixar-lo com un “espai de mera subsistència” i el privat (per qui se’l pugui pagar) passi a ser un fons privat en el qual “jo estalvio per pagar-me la meva pensió” trencat el principi de solidaritat intergeneracional que caracteritza l’actual sistema de pensions.

I això es vol fer quasi a la força (degradant el sistema públic com s’està fent amb la salut o l’educació) doncs difícilment es pot confiar en els que han dut al sistema bancari al col•lapse amb pràctiques il•legals i fraudulentes pel seu afany de lucre.

Ens volen fer creure que l’Estat és com una família qualsevol i si hi ha menys ingressos només queden dos sortides: bé endeutar-se, bé reduir despeses. Endeutar-se per polítiques socials ho prohibeix la bíblia neoliberal i l’article 135 de la Constitució reformat pel PSOE i el PP (amb el suport de CiU) per consagrar que per sobre de tot només podem endeutar-nos per rescatar bancs… mai les persones?

Però enlloc està escrit que les pensions hagin d’autofinançar-se… per això paguem impostos, no? Bé els més rics ben pocs i n’evadeixen cada cop més.

Donar una vida digne a la nostra gent gran hauria de ser un dels primers objectius de la riquesa que es genera, reduir-les quan ja són molt minses per la gran majoria de pensionistes és, en termes socials i de solidaritat, una veritable monstruositat i més tenint en compte que aquesta premissa “d’autofinançament” no s’utilitza per la construcció de línies de l’AVE, les subvencions a la compra de cotxes, el manteniment de l’exèrcit, etc..

Perquè no augmentar els ingressos?

Però si aquesta fos la possible raó (ara per ara malgrat la crisi el sistema no ha presentat dèficit fins l’any 2012 i el fons de pensions compta amb un fons de maniobra de més de 60.000 milions d’euros), insisteixo, si aquesta fos la raó… perquè no augmentar els ingressos?

Perquè no tornar les cotitzacions socials als nivells que tenien fa pocs anys abans de que els mateixos de sempre –CEOE, experts…- aconseguissin que s’abaixessin les cotitzacions patronals amb la cantarella de que això ajudaria a crear llocs de treball…gran fal•làcia com s’ha pogut malauradament comprovar?

Perquè els ingressos no han caigut només “per la crisi”, han caigut especialment per un sistema fiscal profundament injust en el qual les rendes del capital tenen un tractament molt més favorable que les rendes del treball, per les reformes extraordinàriament favorables a les grans empreses amb una rebaixa espectacular de l’impost de societats (votada per PSOE, PP i CiU per la qual les empreses de l’IBEX35 paguen 35.000 milions d’euros menys que fa dos anys), per la enorme bossa de frau fiscal (90.000 milions d’euros) o les SICAV per les quals els grans patrimonis pràcticament no paguen impostos. I tant que hi ha recursos per pagar les pensions i com pot veure’s millors pensions per donar una millor qualitat de vida als nostres avis, àvies…!

Cal canviar el paradigma

EnviaSi el sistema de pensions es basa en les cotitzacions dels treballadors, ara menors pels efectes de l’atur, si els milions d’aturats són utilitzats com un element de pressió per baixar salaris, si baixar salaris fa decréixer les cotitzacions… estem dins un cercle irresoluble. Cal replantejar el sistema. Perquè no finançar les pensions amb un impost a la riquesa que es crea, que es genera més que mai malgrat la crisi?

La revolució tecnològica, els canvis en els sistemes de producció comporten la capacitat de produir molt més amb menys treballadors per tant de generar més riquesa i plusvàlua, que queda tota en mans del capital i de la qual no es treu cap “benefici social”, a més les màquines no cotitzen ni a la Seguretat Social, ni paguen IRPF…

Cal passar de la re-distribució de la riquesa (paradigma socialdemòcrata de l’estat del benestar) a la distribució de la riquesa cap a la societat del “bé comú” posant el benefici social per sobre del benefici del capital.

I si molts assenyalem que aquest atac a les pensions està feta sota el dictat de la “troica” és també perquè la xifra que volen estalviar-se (33.000M€) és també la quantitat que el mateix FROB (la entitat de l’Estat que ha gestionat el rescat bancari) considera incobrable del més de 65.000 milions d’euros lliurats als bancs i que han convertit el que era un deute privat (dels accionistes dels bancs) en deute sobirà a pagar entre tots «gràcies» a la de l’article 135 de la Constitució, que és una assegurança amb patent de cors per les grans corporacions bancàries.

L’atac a les pensions forma part de l’atac als drets socials, a l’educació i salut pública, de la societat dels drets a una altre on l’accés als serveis socials dependrà de la capacitat monetària de cada ciutadà. Com les altres contra-reformes del PP les conseqüències seran l’augment de les desigualtats socials i per tant de la pobresa. Tant tens, tant vals.

+ INFO

web d’ICV-EUiA sobre el «pensionazo»: http://www.pensionsimentides.cat/
web d Seminari Taifa: http://seminaritaifa.org/tag/pensions/

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