L\u2019avis porte sur une proposition de directive du Parlement europ\u00e9en et du Conseil visant \u00e0 modifier les directives (UE) 2016\/2341 relative aux institutions de retraite professionnelle (IORP II) et 2016\/97 relative \u00e0 la distribution d\u2019assurances (IDD), afin de renforcer le cadre applicable aux r\u00e9gimes de retraite professionnelle. La commission de l\u2019emploi et des affaires sociales du Parlement europ\u00e9en, avec Estelle Ceulemans comme rapporteure, est l\u2019instance \u00e0 l\u2019origine de cet avis.<\/p>\n
La proposition vise \u00e0 am\u00e9liorer la solidit\u00e9, la transparence et la gouvernance des dispositifs de retraite professionnelle, qui constituent un pilier important de la protection sociale et des revenus de remplacement \u00e0 la retraite dans l\u2019Union europ\u00e9enne. Elle s\u2019inscrit dans le cadre des comp\u00e9tences de l\u2019UE en mati\u00e8re de march\u00e9 int\u00e9rieur et de services financiers, avec un impact potentiel sur l\u2019emploi, la mobilit\u00e9 des travailleurs et la s\u00e9curit\u00e9 des droits \u00e0 pension compl\u00e9mentaire.<\/p>\n
Les modifications envisag\u00e9es concernent principalement le renforcement des exigences prudentielles et de gestion des risques pour les institutions de retraite professionnelle, la qualit\u00e9 de l\u2019information fournie aux affili\u00e9s et b\u00e9n\u00e9ficiaires, ainsi que les r\u00e8gles de distribution et de conseil en mati\u00e8re de produits de retraite. La proposition entend \u00e9galement mieux encadrer les relations entre les diff\u00e9rents acteurs (institutions de retraite, employeurs, interm\u00e9diaires d\u2019assurance) pour limiter les conflits d\u2019int\u00e9r\u00eats et garantir que les produits propos\u00e9s sont adapt\u00e9s aux besoins des travailleurs.<\/p>\n
L\u2019avis de la commission de l\u2019emploi et des affaires sociales met l\u2019accent sur les implications sociales et en mati\u00e8re d\u2019emploi de cette r\u00e9forme, notamment la n\u00e9cessit\u00e9 de prot\u00e9ger les droits des affili\u00e9s, de garantir l\u2019accessibilit\u00e9 et la lisibilit\u00e9 des informations pour les travailleurs, et de veiller \u00e0 ce que le renforcement des exigences n\u2019ait pas d\u2019effet n\u00e9gatif disproportionn\u00e9 sur certaines cat\u00e9gories d\u2019employeurs ou de salari\u00e9s. Il souligne le r\u00f4le des autorit\u00e9s nationales de surveillance et des institutions europ\u00e9ennes dans la mise en \u0153uvre et le suivi de ces r\u00e8gles. Les \u00e9l\u00e9ments chiffr\u00e9s, les calendriers pr\u00e9cis de mise en \u0153uvre et les effets diff\u00e9renci\u00e9s entre \u00c9tats membres ne sont pas d\u00e9taill\u00e9s dans le document disponible.\u00a0(contenu r\u00e9sum\u00e9 en fran\u00e7ais par l’IA)Lire la Suite<\/a><\/p>","protected":false},"excerpt":{"rendered":" L\u2019avis porte sur une proposition de directive du Parlement europ\u00e9en et du Conseil visant \u00e0 modifier les directives (UE) 2016\/2341 relative aux institutions de retraite professionnelle (IORP II) et 2016\/97 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