
ΠΡΟΣΦΥΓΗ ΓΙΑ ΤΗ ΔΙΑΓΡΑΦΗ ΔΙΚΗΓΟΡΟΥ ΑΠΟ ΤΑ ΜΗΤΡΩΑ ΤΟΥ ΕΤΑΑ-ΤΑΝ
ΠΡΟΣΦΥΓΗ ΓΙΑ ΤΗ ΔΙΑΓΡΑΦΗ ΔΙΚΗΓΟΡΟΥ ΑΠΟ ΤΑ ΜΗΤΡΩΑ ΤΟΥ ΕΤΑΑ-ΤΑΝ
http://alampasis.blogspot.gr
, , , , .
100.
1. ....,
- (.... -...),
,
,
25 . 3655/2008.
2. . 514/2014 03/11/2014 ,
, ....
-
(.... -...),
,
10 2014
,
-,
, , , ,
-,
2|
, .
1.
[. 143-150].
5.
[. 150-151].
6.
PSI '
4 . 5
[. 151-155].
7. ....
,
[. 155-158].
8. [. 158-196].
9.
.
[196-208].
-----------------------------------------------
3|
1.
.... - , . 3655/2008).
( .... - ,
. 3655/2008) 1929 ....
.
,
(....). , ,
53 (.. 104 31).
.. 4114/1960 ( ), (...
164/19-10-1960 . ) ,
.
:
()
- .. ( ...)
4|
(
)
( )
-
- -
..
5|
(....)
....
,
,
1/1/81 .
28 .
, . 1 7 .. 4114/1960 ( 164)
. 1 13 . 4507/1966 ( 71),
: : .
. ) ,
,
80
.
, 9 . 1 . .. 4114/1960
.
,
,
80 ,
,
,
.
6|
25 . 3655/2008 ( 58)
....
()
. , 38
,
(. 1),
(. 2 . )
(. 2 . ). ( 717/2009).
25 . 3655/2008 ( 58)
....
(....)
. 38
,
(. 1),
(. 2 . )
(. 2 . ). , 1
[ ()]
(),
(),
56. 1
. 2.
(4) : ) , )
,
) ) . 3.
7|
,
, ,
.
, )
(),
(),
)
(),
() ) , (). )
, )
(),
(),
() )
() ,
(). ) , )
(),
, )
(), , )
(),
(), ().
19 (.. 4114/1960, 164),
6 . 1090/1980 ( 263)
: 1.
(40) ,
: .
(80%) ,
, : ) 1 1981
(60%). ) 1 1982
8|
(66,5%). ) 1 1983
(73,5%). ) 1 1984
(80%). .
: )
(80%)
. )
(42%)
. )
(21%)
. ) 2.
,
,
: .
. .
. .
,
1 1985 3.
(30)
(1/50) 1
.
,
(2/50)
.
(40) (1/50). 4. .
. 1 19 ,
1.1.1981
,
9|
, ,
,
. ,
, ,
1.1.1984 40
80%
,
.
, . 2 . , 1.1.1985,
,
,
,
( ) ,
, ,
(... 1021/2005 7.).
....
, .2084/1992,
10 ..
114/1960,
.
, . 1 19
, 1.1.1981
,
, ,
,
. , . 2
10 |
. ` , 1.1.1985,
,
,
,
, (
) , .
..
, ,
. . 2084/1992 ( 165),
7.10.1992, 93 . 66
: "
..., ... - ....,
... - .....
9 . 1976/1991
,
17, 29 31 . 1902/1990
.
,
, ,
,
...., .. ,
,
".
...
1976/1991
,
.
11 |
-
.. (. ... 1428/1997) -
, ..
.
, , ,
19
, 6 .
1090/1980, ,
..
,
, .
. 66 . 2084/1992,
, ..
,
.
. 2 19
,
1.1.1985
..
( ) -
.. - ,
,
.
66 . 2084/1992,
( 1021/2005).
, . 1 10 .. 4114/1960, .
1 .1090/1980 (263), :
1. :
: ".
8% 5%
12 |
,
2
.
***: .. .41/702/12.12 . 1986 (.
...), (` 418),
. .,
: "
, . 1 10
.. 4114/1960 ( 164/9.10.1960, .`),
1 . 1090/1980 ( 263/15.11.1980
. `),
,
3 . 1505/1984 ( 194/3.12.1984, . `), ,
,
. ,
1 .. ,
".
.
,
4%
,
,
`
` .
.
*** ), ), 4
.730/1977
`309),
10
1 . 1090/1980, 263, s
1 1981.
.
1)
, `
,
13 |
`,
,
(2%) .
1 1982
(3%), 1 1983
(4%) 1 1984 (5%).
` ,
, ,
.
`
,
.
,
.
1 1981.
2)
80%
.
3) ,
1
1981 (60)
`
.
1
1976
(60)
14 |
4)
.
"5)
, ,
".
*** . 5 ` . 1 10,
1 . 1080/1980,
18 . 1 . 1759/1988 (` 50).
6)
, ,
,
. `
.
7) ,
` .
8) `
`
".
"9. , 1
6 ,
,
,
6 .
,
15 |
,
,
, 13 . 1512/1985
(
`). ,
,
".
*** . 9 . 2 . 18 .
1759/1988 ( ` 50).
)
,
, ,
, ,
.
.
.
()
()
*** 10
36 . . 730/1977 ( ` 309).
")
` ` .
, ` ,
(3)
5 ,
.
` ,
(80%) ` .
(12)
(24), ,
16 |
.
."
*** `, ` ` . 1 10
.. 4114/1960, 18
. 1090/1980 . 1
12 . 1512/1985, 19
. 1 . 1759/1988 (` 50). ( 1.7.1986, 19 . 4
. 1759/88).
) *** ) 1 1981 18
. ) . 1090/1980, 263.
") ,
,
(5), (10) (15)
,
.
."
*** `, ` ` . 1 10
.. 4114/1960, 18
. 1090/1980 . 1
12 . 1512/1985, 19
. 1 . 1759/1988 (` 50). ( 1.7.1986, 19 . 4
. 1759/88).
() *** ` 10 36
. . 730/1977 ( ` 309).
() *** `
18 . ` . 1090/1980 (` 263).
*** ), ), ), ) 1 1981
18 . ) . 1090/1980, 263."
,
. 1090.
17 |
(50%)".
") (60),
, , ,
, , ,
.
(120)
, ,
,
,
,
, ,
` .
(210)
, ,
` ,
.
(420)
, , ,
, ,
,
, ,
` .
*** : , .1 ..
41/.776 (.) 6/15.4.88 ( 207): "1.
18 |
,
. 1 10
.. 4114/60 (
164),
. 41/410/2.4.85 ( 204 . `)
:
) (60) (100).
) (120) (200).
) (210) (400).
) (420) (800)".
15.9.88.
( .4 ).
*** : 2, .1 .. .
135/889 (. ) 20.7/4.8.88 ( 559): "1.
- . 1 10 .. 4114/60
,
..
798/1961
135/802/1986
:
.. (100)
.. (200).
.. (400)
.. (800)".
1
1988.
( 3 .)
) (60)
,
,
,
(120) ,
, (210)
(420)
, ,
.
19 |
(60)
, ,
.
(120), ,
, ,
, ,
, , ,
, , , ,
.
(210),
,
, ,
, ,
` .
(420),
, , ,
,
, ,
, `
".
*** " " `, ` ` . 1 10
26 . 1759/1988 (` 50).
*** : `. .41/1192/1994
. ( `825)
: " 1.1.95,
` ` . 1 10 ..
4114/60 (164), 30, . 2
. / 1
.. 798/61 (205 `), .
41/. 776/6.4.1988 (2078) ,
20 |
135/889/20.7.1988 (5898)
,
,
, :
) , . 400.
) , . 800.
) , . 1600
) ` , . 3200
, 50%
50% ."
***: .. 424/920 () 30.8/24.9.91,
785, . 32/14.7.1991
:
" . 32/14.7.1991
, , : "
` - ` . 1 10 . / 4114/1960,
26 . 1759/1988,
, ,
. / 66/1989 , 1.1. 1992, :
- ... (150).
- ... (300).
- ... (450).
- ... (810)".
) (20%)
.
8 3978 (=))/1912
" " 235/1914
.
).) (1%)
21 |
, ,
,
, `
` ,
, .
` : 1.
,
,
, (1/2) .
2.
(1/4).
3. ,
.. 2039/1939, , (1/2)
. 1.000.
4. , `
.
[***: 14 . 1 . 1512/1985 ( 4): "
`
. 1 10 .. 4114/1960 1.30%"].
***
.14
.13
.3050/2002,
214/13.9.2002, : "
1 . 1 . `, . ` ` . 4114/1960 (
164), ,
(1,30%)
(..) (...),
,
(5/)
, ,
, ,
".
*** : . .3 48 .3518/2006, 272/21.12.2006, .
,
22 |
.1 . ` . `, `
10 .. 4114/1960 ( 164 `) .
". (5 %.)
,
, 42 -
46
.
:
(1)
, `
912)
.
(2)
(3) .
. , ,
,
.
(100)".
*** ` ` .1 10,
.3 14 .
1512/1985, 25 . 2 .
1759/1988 (` 50).
***
.14
.13
.3050/2002,
214/13.9.2002, : "
1 . 1 . `, . ` ` . 4114/1960 (
164), ,
23 |
(1,30%)
(..) (...),
,
(5/)
, ,
, ,
".
) (5%) ,
, .
` ,
: 1)
,
,
, .
2)
. (50).
***: 4 . 1 . 1090/1980,
263, s 1 1981: "
` ` . 1 10
4114/1960
(7,5%) 1 1981
(8%) 1 1983
(9%)".
") (5%)
` :
1. ,
`
,
2. ".
24 |
*** ) 4 . 3 .
1090/1980, 263 ( 1 . 1981).
) (10%) ,
,
, .
.
,
,
,
.
. ` ()
.
)
(3)
( )
.
*** : , .3 ..
41/.776 (.) 6/15.4.88 ( 207): "
1
10 .. 4114/1960 ( 164),
41/410/2.4.85 ( 204 .`)
(15) (60)".
15.9.88. (
.4 .)
*** () .41/1288/1999 ( 2217),
(60) . (300) .
1.1.2000
) (2,5%.)
,
25 |
, ` ,
1587/50
,
.
.
,
,
,
.
*** :. .3 48 .3518/2006, 272/21.12.2006, .
,
.1 . ` . `, `
10 .. 4114/1960 ( 164 `) .
)
(2,50)
, ` ,
,
, . (6)
,
, , , , ,
,
.
`
.
*** : . 2 ..
41/.776 (.) 6/15.4.88 ( 205): "
. 1
10 4114/60 ( 164),
41/410/2.4.85
( 204 . `)
:
) (12) (30).
26 |
) (24) (60).
) (60) (100)."
15.9.88. (
. 4 )".
***: .10041/4309/202/9-18.3.2009 (
497/18.3.2009), 1
: " 1.1.2010,
(...) (....),
,
` . 1 10 .. 4114/1960 (` 164),
` . 41/.776/6.4.1988 (` 207)
, ,
` . 41/119/5.3.1998 (` 273)
, ` . 41/1241/18.10.2001 (`
1426)
, :
) 0,15 0,30
) 0,30 0,60
) 0,60 1,20 ."
)
)
)
***
), ),
),
1 . 1981
18 . ) . 1090/1980, 263."
,
. 1090.
(50%)".
27 |
) (15%
,
,
, (15%)
.
) (
(1)
.)
*** . . ` . 1 . 15 .
663/1977.
)
.
) " ,
12 .. 4114/1960,
".
*** `, 18 . `
. 1090/1980 ( 263) , 12 . 1
. 1512/1985 ( 4), 19 .1 .
1759/1988 (` 50). ( 1.7.1986, 19 . 4 . 1759/88).
*** ), ), ) 1 . 1981
18 . ) . 1090/1980, 263."
. 1090.
(50%)".
28 |
)
().
)
.
) . ("`.
").
*** ` . 1 10,
23 . 1759/1988 (` 50), . . 8
. 22 . 1868/10-10 . 1989, `230.(.
.` .2 .30 ./
.`.8 ).
2.
`,
`,
,
,
.
3. `
` .
4.
.
.
*** . 4 18 . )
. 1090/1980, 263, 1 1981.
"5. 10 . 1 , , , , , , ,
10 7 12, 23 35
.
, .
29 |
,
, ,
,
,
".
,
, ,
,
".
*** " " . 5 14 .
4507/1966 (` 71).
6.
,
.
"7.
6 . 670/1977 ( 232),
(30)
(20)
5 ,
.
`
,
(40) ,
.
.
, `
".
30 |
*** . 7, 18 . `
3%
`
13
5%
.
.
".
*** 8 9 10
13 . 1512/1985 ( 4), . 9
. 24 . 3 . 1868/1989, 230.
31 |
10 30
.. 4114/60, . 1090/80
,
. 2084/1992
1 1 ."
***: 24 . 2 . 1868/1989,
37 . 1 . 2145/1993 (`
88), : " , .... ....
,
3026/1954 "
"
,
.... 2/3
.
1.1.93 31.12.92
."
.
, ,
".
"10.
.l . .
10 ..4114/60 (A 164), ,
.
,
,
,
32 |
, ,
.
,
, 15 ,
`
, .
,
".
*** .10 1 ..293/1998 ( 212).
..
.
- :
1. ,
.
2. .
. ,
:
. : ,
,
.
. (...):
,
, .
. :
4,5% .
. :
0,5%
.. ...,
33 |
.
.
0,25%
0,125%
.
. :
20%
.
, 1/1/1993 ,
22 .2084/1992,
. 15 .3986/2011,
,
20%
.
14,
1
, ,
1
.
44 . 15 . 3986/2011.
15.)
(....) -
(......),
(....), (...)
1.1.1993 ,
,
,
34 |
.. 124/1993 ( 54)
. 1 4 . 3518/2006 ( 272),
.. 126/1993 ( 54) .. 125/1993 ( 54),
, 1
. )
31.12.2011
(....),
.
1/10/2008 1
693,35 14,
, 2.333,02,
138,67 (1 , ) 466,60 (14
).
,
10 .. 4114/1960 . 4 19
.2150/1993,
50%, ,
31/12/1992 ,
1/1/1993 .
.... ( ....
40% , ......
50%
35 ).
,
.
,
35 |
,
,
,
.
22 . 1 . 2084/92
30%
,
. 3 20%
10% .
,
,
,
6
, ,
.
.
, .2084/1992 (.22, 35, 37, 55),
.3232/2004, . 59 .10 N.3518/2006, N.2150/1993 (.19
.4), N.3986/2011 ( 44 . 14 & 15), N.4019/2011 (
20
5),
..
222/556
362/93
.'),
..
1943
.),
'
.80000/.652/45/15-01-2007
.80000/18572/2199/2010
.80000/.16397/635/14.7.2011
:
.
36 |
:
1. 31-12-92
( )
: 5
636,48
54,12
690,60
: 5
332,76
33,36
366,12
: 1.056,72 (. 100)
5 50%
2. 01-01-93
( )
. 01-01-1993 31-12-2007
: 5
782,76
: 5
409,32
: 1.192,08 (. 100)
. 01/01/2008 31/12/2009
37 |
391,38
204,66
: 596,04 (. 100)
. 01/01/2010 31/12/2013
318,24
166,38
: 484,62 (. 100)
:
, 2012
1.0 1 2,98, 43,74
, 2012
1.080,66, 111,42 , 100,
, 2012
.
2
38 |
2-5
2142,00
: 107,11 (2.142,00 5%) (. 200) 65% =
69,62 35% = 37,49
5-10
3.366,00
: 168,31 (3.366,00 5%) (. 200) 65% =
109,40 35% = 58,91
10 4.896,00
:244,80 (4.896,00 5%) (. 200) 65% =
159,12 35% = 85,68
.
(.
3996/2011) 170 ' .
318,24
166,38
: 484,62 (. 100)
.
:
39 |
40 |
. : 151/545026-84 300
5
2013 1.204,00 (. . 5-9 .3670/2008
117/20-06-2008) :
2013 11,65% 14 50%.
3/3 (2/3 1/3
).
2
106,08
57,12 163,20
53,04
28,56 81,60
41 |
*
.
** .
(2/3) 31-1-2014
.
,
5
1) :
1.1.1993 31.12.2006 5
(2 )
(12 170,53 /) 2.046,36
: 2.046,36
(10 ) 120,00
2) :
1.1.1993 31.12.2006 5
(2 )
(12 51,16 /) 613,92
: 613,92
: 2780,28 .
2. .
, , , ,
2010,
2009
,
.
42 |
.
,
.
,
,
. H
23 2010
. ,
.
,
, .
,
.
2 2010.
, 2011,
,
.
. ()
M . 3833/2010 -
( 40/15.3.2010),
,
,
,
,
. .
3845/2010
43 |
( 65/6.5.2010).
25.3.2010 ( I)
11.4.2011
(
II)
( III)
( IV).
[Memorandum of
Economic and Financial Policies, Memorandum of Understanding on
Specific conomic Policy Conditionality Technical Memorandum of
Understanding
)]
(Memorandum of Understanding),
3.5.2010
, ,
,
,
- ,
,
, ,
- ,
,
( . 1 - 3 . 3845/2010).
,
,
,
,
.
44 |
, , , :
.
,
-
110 ,
80 30
. , 30 2010.
11
30 2013, 2014
3% . ()
4% 2010
2012 . 13,6% 2009
,
2010 9% ,
5
.
2,5% 5,6 .
,
, ,
.
,
(.
6.5.2010
, . 6727 - 6794). 8.5.2010
(Loan Facility Agreement)
14 - ,
45 |
Kreditanstalt fr Wiederaufbau (KfW), ,
, , ,
.
, ,
. ,
, , : (6)
,
126(9) 136
3 2010
( ),
(8) ....
(
)
126 (9) 136
. , 8.5.2010,
15 ,
( , Intercreditor Agreement).
46 |
15 ,
.
9.5.2010
, 3 2010
( , letter of intent),
(Stand-by
arrangement)
... 26,432.9
[30 . ] 9 2010 8
2013. , 8.6.2010
2010/320/ ( L 145/11.6.2010),
,
,
,
,
126 . 9
(....) [ 104 . 4
(), (.
83/30.3.2010)],
, 136
,
. . 1
1
2014 -
27.4.2009 (2009/415/, L 135/30.5.2009)
104 . 4 - 2 1.
2010 :
) ) ,
,
47 |
1900 . (1500 . 2010). ) 2.
2010 : )
)
.... ) . 2010/486/
7 2010 ( L 241 14.9.2010)
2010 2011.
,
,
.
.
48 |
.
15,9 2012 8,2
. To 183% 2010,
226% 2012 261% .
27,2%
21,5% 2012,
, 32% ( ),
1.348.742 .
40 . 2010
, 506.803 .
, 2012 39% .
,
25%
.
(3-43-2). ,
.
.
:
1.
, ,
, ,
.
49 |
2.
.
3.
40% .
4.
.
5.
.
6.
.
7.
83%
8.
--
-
.
:
, ,
.
2 696 .
50 |
2,5
1,5
()
181,3% 2014,
176,6% ,
. ,
.
10 .
2014-2016 .
Financial Times, Wolfang Munchau,
160% 2020.
, ,
, ..
. ()
Moody's , 2013,
83%
(,
).
2015
,
.
. ()
Citigroup
2015. ,
2013 -3,3% , 2014 -1,9% 2015
-0,5% .
51 |
,
,
2014 2015.
, haircut
(OSI). 2014
haircut ,
,
. ()
-1% 2014
Economist,
,
. ,
2014,
2/3
. ()
Credit Suisse, ,
" 2014
,
ESM".
haircut ( )
- - .
.
1) .
( 2012)
( 2013).
2) ,
. ()
Bank of America Merrill Lynch
,
52 |
,
.
,
. haircut
. ,
.
,
100 . .
,
1929.
110% 2022
35 .
( 122%), Bank of America Merrill
Lynch :
1)
3% (
4,9% ), 80 .
110% 2022.
137% .
2)
2% 2014-2022
( 2,9% ),
3%, 100 .
110% 2022.
146% . ()
, Paul Thomsen,
53 |
,
,
. , ,
,
.
,
,
.
Eurogroup ,
2014,
. Eurogroup
".
. ()
.
!
,
. ()
,, .
,
Frankfurter
Allgemeine Zeitung,
Die Tageszeitung
54 |
. ,
Deutsche Welle, , Frankfurter Allgemeine
Zeitung :
.
.
, ,
.
.
Die
Tageszeitung , :
, .
.
.
, . :
.
.
.
,
. (: :
)
, - -
,
,
PSI.
- 53,5%
46,5% 2024
2042.
, -
,
,
.
55 |
() ,
,
: 35,4%! 35%
!
.
. 20072012 6,2%,
5,3%. ... (!)
!
, ,
,
40%, 2008. ,
15% 2008,
0% . ,
25% , 28%
,
,
, 20%
2010,
.
(WHO, 1946).
, .
56 |
,
(Sen, 2000). () ;
(Health at a Glance
2013), 2009
2011 11,1%,
.
. . , 3.068.000
.
,
6.000
.
.
(5
, 25 , 1
, ),
.
, , ,
.
- ( New Haven,
Midtown Manhattan, Dohrenwend et al 1992, Stirling County
Murphy et al, 1991, Argyle 1994 )
,
(cluster together)
.
57 |
.
,
,
,
.
43
.
. 4.000.000 ,
500.000 .
26%. ,
,
.
.
25% .
3 .
... 16,6%
.
4,1%.
1%
0,9%! ,
30,7%.
58 |
.
2012-2013
(476
(84 ),
, ,
, ,
.
,
, , ,
.
, .. , , ,
, .
, ,
, .
,
(junk foods)
, ,
... . ()
.
1.127 .
,
5.074.
33% 2009 - 2013,
2,15% 2016. 1.200
2011 , ,
102 .
30%, 5.000 ,
22% 45%.
59 |
.
40%
.
,
, ,
,
,
,
. 2012 o 5,5,
2,2.
60,5 2012 1
2013 11,161 . 2012
100.400 116.700 ,
44.000 . ()
, (
)
2009,
. 2010 2011,
1,39
1 ,
199 220 .
,
2,1. , 2011
106.777 ,
110.729.
60 |
2040
. ()
10.934.097 2001 10.787.690
( 1,34%)
( , , ,
,
),
(
), (
),
( ),
( , ,
), (
,
..
, - ,
- , -).
-/ :
, 2009
.
, 20%
,
35
1970! , 1
18.200 2008, 2009
1.404 . , 240
180 ,
2009 984 . ,
, 10%,
1.315
163,80 .
100 90 ,
1.288,80 , 300
61 |
2009!!!
. ,
2009 9 19%, 2010 11- 23% 2011
13- 23%. 2009 35,9
67 . , ,
, 2,1 ,
33 !
,
.
100 .. 200.000 ,
2000, 2009
- - 690
587 . , .
526 2009, 2,78 2013
3,9 2014.
(),
()
..
1.600
62 |
,
, .
, 56
,
2,3 3.000 .
100
3.000 - 300.000 , 5.770 300.000 - 1
, 1.500 . 2,3
2,7 , 10
! 10.000
39 ! 5.000 15,5
. ! 1 ! 15
3,2 !
"" 0,5%
""! , 39
-,
2,3 1,9 .
,
. 13,5 10 56
.
156.000
. ()
2010-2013
, ... 700% (!)
.
63 |
... 900%
(!) .
,
... 700%! 2010,
450% (!)
.
900.000 - 400.000
- .
14 15
( )
. 23% ,
20,45% 28 21,52%.
46% ,
... (!)
(36,66%) (44,52%)
.
,
,
,
.
2007-2012,
35,4%, ,
11% - 11,3% 10,9%
.
- 5,3%
6,2% , !
,
,
780 ( ) (. .
4024/2011), 417
64 |
25 ( 510,95 ) 586
25 ,
22,8 25 26,18
( 33,5 ) 25 ,
487
35%,
... 700% 900%,
11% 23%
( 500
2009 3,5 2013)
! 2013 ,
2013
, ,
8%
2012.
2012 10,2%
65 . .
42,4% , 23%
27% .
funds, ,
. ,
,
10 .
,
() 30 - 35
.
.
.
()
65 |
T
2016-2017, , ,
,
,
.
()
,
181,3% 2014,
176,6% ,
.
,
.
2009 (9,5%, 450.000 )
2009 - 2013
3,5% - 4%,
20 .
( 2014)
2030,
"" 1,4%,
2,9%
2,1%.
3. .
.
PSI
,
2010,
,
66 |
[24],
:
spread
,
. PSI,
.
. El Pais ,
,
. - -
PSI
, .
'
"" .
"". ,
2011,
PSI,
. [25]
PSI
1. PSI
plus. PSI plus 4050/12,
,
!
/ /,
. H
67 |
, , 17-2-2012
( PSI plus)
4050/12
.
,
,
,
ondholders
Communications Group LLC,
68 |
PSI
plus,
, :
.
. ,
.
.
. ,
, ,
.
2,3 . ,
206
!
23
.
3.
.
,
, ,
, EFTA,
, discrimination
69 |
, .
. [1]
.
(.. , .)
.
. ,
.
.
1950
,
.
,
,
,
,
.
.
(.. 2005 1,5 % ).
.. ,
70 |
.
,
,
.
.
.
,
.
:
,
.
,
. ()
, -
.
.
.
.
71 |
,
13. , ,
,
()
Alpha Bank
,
.
,
(......). , ,
,
, ,
.
,
.
, ,
, ,
, .
.
:
72 |
,
,
,
..
73 |
, ,
, ,
. [26]
:
1. ,
.
.
,
. [2],
, 350
. . [2.1]
2. 3,9 , ,
2014. 974
. [2], [2.1]
3. . [2]
4. 2014.
[2]
5. .
,
12%-14% (
2013). [2.1]
6. 1 2014
. 2017
464 . ,
( ).
, ,
2014
74 |
5%-6%(
170 ). [2.1]
7.
8,6 . , 15 .
2012 21 . 2011. [2.1]
8. .
,
12%-14% (
2013). [2.1]
9. ,
,
. [2.1]
() :
,
,
.
,
. , ,
,
,
, , ,
.
,
, .
580
3 . .
23
75 |
, , , , , ,
, , , ,
.
.
. ,
. [27]
,
34,8 . ,
.
1993
, ,
59,8 . . [3]
(),
,
Real, :
1. 10,5
. .
2. , 8,5 . .
3. 8 . .
4. 1993 12 . .
5. 1 . .
6. 1,3 . .
7. 2,5 . .
8. PSI 13 .
9. 3 . [4]
.
76 |
...
5
.
.
...
. ,
.
10 .
,
,
.
[4.1]
30
(),
33 . .
, 2014
2 . . 33 . ,
, . :
1. 7 . ,
2. 3 . ,
,
3.
8,5 . ,
4. 1,2 .
,
5. 1 .
.
77 |
6. 12 .
PSI.
2 . . 807,9
. , 274 . , 462,7 . ,
181,3 . , ()
91,3 . , () 66,2
. -: 39,5 . . [4.2]
, . ( )
: 8-52014, Peter Ratcliffe
,
!
.
- 1-72014, (.
3863/2010), 1-1-2015
360 .
, ,
-
.
78 |
2018
!
,
, -
. Peter Ratcliffe,
.
1-1-2015 (
360 ),
,
.
,
!. [4.3]
,
/ 2016.
2015
,
2016 .
2013-2050 /
().
7
50 .
( ) 2050.
7%-20%
,
79 |
. ,
(29% 2012, . 1.500.000 )
10,5 . ,
8,5
1993 (12 . )
.
2010-2060 2,6% (. 3863/10)
2009-2014
1/1/2015
. , 2015
(
, , )
( 24,1% 17,4%
2060),
. ,
, 70%
,
(, , ,
, ) ( 35%
2010-2012),
.
2010 2012
4,2 ,
11,6
2013-2014, , ,
43% ,
. 5,5 . 37 . ,
Alpha
989
80 |
. ,
, .
.
29% . ,
, .
[5]
-
( )
15%.
, 4
2013 28%-29%
-4,5%. , , 2013
28%-29% ( /),
200%
2009. , ,
(ILO, IMF )
( 15%) 2020.
.
(
1, 2 3). (benefit ratio),
2013 2009.
33
. 2009, 22,5 . 2013,
32%.
2013
&
927 (),
81 |
/- 2009
1.350 () ,
31,5%. :
,
. ,
2013-2050. ,
,
-
. , ,
, , ,
, - ,
:
1. - 2014-2015
2015 ,
- .
2.
(
15%.
27% (2050)
95%.
3.
2025.
(2015).
82 |
4.
(
, ,
, , , ,
. /-, 2010)
. [28], [29]
HWWI
,
( HWWI)
,
(Deutsche Institut
der Alterversorge).
1. .
2030 40% 65
. Eurostat, o
65 27 -
(2013) 18,2%.
(21,2%), (20,7%)
(20,1%). O 15
15,6%. (2013). 14,7%.
27,5% 2013
38,3% 2030. 30,9%
37,4%.
2. (
) .
27 49% 2011.
41,7% 42%.
83 |
,
.
2011
4000 . 6000
, 1000 .
,
, ,
.
. Eurostat,
11,3% 2005 16,1% 2011. ,
65
10.781 15.687 .
3.
600%
( 180 . )
(175% ),
200%
. 600%
150 200%
(2013).
4.
.
2014
. ,
2011 1% (3
84 |
), 2%.
[29.1]
... ,
, 2015-2018
. , ,
, ""
-
. 350.000
,
3 . .
190.000 , 130.000 55.000
.
2013,
.
,
2016 - . ,
/ (2013-2050)
() , ,
, 2016
950 . .
2017 1,88 . , 2018 2,14 . ,
2019 2,40 . , 2020 2,67 . ...
.[2.1]
100.000
6,5%,
2014 27%
1.303.884 .
2009
(9,5%, 450.000 )
85 |
2009 - 2013
3,5% - 4%,
20 .
2016 950 . , 2017
1,4 . 2018 2,5 .
. , ,
,
,
26 . 2009 4,5 .
2013, ,
, , 2014 2016.
2009 (9,5%, 450.000 )
2009 - 2013
3,5% - 4%,
20 . 850.000
12 .
,
750 800 , 1.100
, 23%.
,
2010-2014 23%,
2014 1995,
(
) 2014
21.930 35.000 , 39.000 ,
49.000 45.000 . [2.2], [2.3]
2012-2013 (. 74-78)
2020 ,
2020 2060 ,
86 |
48,5%. 2015 -
60% .
2015 ,
,
( 360 +
)
. . ,
3863/10,
.
2014
.
,
.
-
1-1-2015. (
360 )
1/1/2011 . ,
1.1.2011,
2026.
, 5
. ,
,
...
-
,
87 |
).
,
.
2020 ,
2020 2060 ,
48,5%.
'
65%-70%
, 45%-55%
1300 . [30]
: : 2020
360 ,
...
o
,
. ,
,
360 ,
.
, 2020
,
, 2010
, ,
1.1.2011,
1.1.2015.
88 |
2010
,
.
,
2020
.
. ,
(.4110/2013)
. , ,
,
,
. [31]
,
, :
,
,
(,
),
(. ).
.
2010,
.
89 |
48,5% 2020-2060, 95,7%
.
1,2 .
,
.
. ,
,
.
,
:
1.
,
2. ,
,
3.
.
4.
.
Red Tape Challenge
(RTC) ,
90 |
.
Munnell et al.
, . 3029/2002
100.
,
(multi-employer occupational fund).
()
,
13% 50%,
(:
, mini jobs, ).
,
/
. , Antolin et
al.,
, ,
,
.
2001 Riester,
.
,
(. 4110/2013)
91 |
,
- .
()
(, ) (,
)
, 70%
.
,
. (:
, 24% 5 [32]
(73,7% 57,7% ),
40 .
.
, , . , ..
(auto-enrolment) .
. , Kiwisaver
55%,
.
(default scheme). Rinaldi,
,
. ,
.
92 |
. ,
. Daykin,
,
. [6]
,
. ,
,
.
Money Conference
,
International Life .
( )
,
.
75%,
99%
! 2010 59%
,
93 |
- ,
50%! ,
,
.
2011,
(
)
. ,
,
,
.
2002,
.
12.000
.
(
). ,
22 . (pension
funds),
20 18 . .
.
. , .
, .
,
, :
94 |
1.
, ;
;
2. ,
).
3.
;
,
,
Solvency II ,
, . [7]
750.000 350.000
.
...
,
.
2013 1,1 .
, 7,3 . ,
62 . . 2013
147.720
2.695.791 ,
339.028 487.686.
,
, .
. 2,7 .
95 |
.
10.000 11.000
13.000 12 . .
, .
.
,
10 20.000 .
, .
, ,
. [8]
( ... ...) 1956
11.500.000
77.000.000 ,
.
,
.
,
,
.
,
,
,
96 |
.
, 6-7
48 , ,
450.000.000 .
31/12/2012
14.000.000, 31/3/2013
7.500.000 ,
.
Eurobank,
.
... ... 5.000.000 ,
. 6.000.000.000
PSI,
...
. (
10 ),
,
.
, .
,
.
,
,
.
. ,
97 |
60 ,
1993 ,
. 2084/1992,
, ...
... 183.000.000
PSI 600.000.000 . [9]
,
(), ,
,
. . ,
,
,
60 ,
,
,
, PSI. ,
()
800.000.000 234.000.000
.
, PSI,
198.601.940 58.380.976 , .
,
2012 196.635.697
248.068.075
(....)
, 5.382.037.000,11 , ...
2.200.000.000
).
....
(,
, . ) 1.800.000.000
, ,
98 |
1.440.000.000 .
( ... 23.000.000 ),
, ,
780.000.000 TAN.,
234.000.000 71.000.000.000
.
,
. .. .. 345.500.000
1990
2004 2016
.
.
,
.
3,5% ,
,
, .
.
. ., 30.000.000 .
( ),
99 |
- .
,
30 .
. [33], [34]
,
.
2013, ,
7.500 23.500 ,
. 2012 16.500
, 2013, 6.500
. [10] , [35]
2006, ,
.
, .
,
,
2006 ,
,
. [36]
PSI 10%
,
, :
1. (2084/1992),
( ).
61
10% 31.12.1991
100 |
59 ,
. 2 . 3 5 . 3408/2005
60 .
2084/1992,
,
2.
,
2084/92. 23.11.2007
, .
100.000.000 ,
3. ,
().
4.
2000 20 .
(58,7 . )
5. 37 . 3863/2010 :
1-1- 2015
..., TOU ... .
. [37], [38], [39],
[40], [41], [42]
[42.1]
, 2014
,
. 1
101 |
, 31.7.2014
10.472.769.238,72
213.234 .
102 |
,
' ,
48% .
, ,
,
.
360 , .
3863/2010
(7.000 )
, ,
,
. ,
(2,6 . 2014)
,
103 |
,
50% . [11]
, 3863/10
2015 , 7%
25%,
.
,
, 360
. :
2011
15 ,
, 360 , 67
.
2015
, 360
2011
2011 .
2010.
2013 2014,
2
2%. :
1. 2010.
,
, . ,
2015
2010
.
104 |
2.
2011 .
0,8% 1,5%.
3. 360 ,
2011 .
, 2018
8/35 360 , 82,2 .
[12]
(...)
-
: ,
:
(...)
(...)
(....)
:
(....)
,
1993)
....,
,
.
....
,
1.300 ,
400. ,
105 |
,
7.500 , ,
6.500 .
,
,
( ,
, ...
, ,
..), ,
( )
, 44
. 15 . 3986/2011.
- -
1-1-2014,
.... 5.000 ,
(....) 101 .
4172/2013,
.
,
,
.... ,
,
.
, ....,
, 1-10-2012,
:
,
,
, ( ) ,
106 |
,
.
, 44 . 15 .
3986/2011 ....
.
(
) ....
:
1.
.... ,
.
(....)
,
...., 22-11-2013,
.. ,
,
, 31/12/2015,
.
,
(......) ....
(...).
2. 44 . 15 . 3986/2011
....
....
.... (
107 |
80000/10255/334/06.06.2012,
...., 1849/13.06.2012).
,
(......) ....
(...). ,
20-11-2013, :
.
- -
.
,
.
3. 101 .
9 . 4172/2013
.... 5.000 ,
(....).
,
....
....,
12.000
20.000 .
4.
....
108 |
[ , , , , ,
(:
http://ec.europa.eu/social/main.jsp?catId=858&langId=el)].
(
) ,
9 . 1 . 3050/2002,
....
2.000 . ,
13.216 (400
)
....
...,
600
,
.
, .6, . 1
4093/2012,
( 1993) ...-....
2.432,25
(97,29 25 ).
(. . - 13/1.3.2013).
5.
,
(.. 3.000 ).
6. ....,
,
: )
2009 )
109 |
(
)
,
. ,
,
7.178 ( ),
,
.
7.
....,
11-2014 .
......
....
8.
..
....,
.... ( ......
...). [13]
1 2014
:
, 26%-40,3%
,
(, , ,
..), 10%-33%
20% 26%33% . ,
110 |
(,
, ) (..,
, .., .. ..) 11,5% 1,33 . .
878 2013
.
:
. ,
, , , ,
,
,
.
(..
,
, , , ,
, 10.000
..),
() .. ,
, ..,
.
2014 2015
,
.
:
1. .
2013 ,
111 |
2014
10%
, ,
, , ,
.
2.
. ,
,
.
,
22%
10%
.
3. 750.000 ,
,
,
26%
2013.
50.000 ,
33%.
40,3%,
55%
(26%x1,55=40,3%).
(
) ..
112 |
26%
55%, 40,3%!
4.
2014
, 10%
12.000 33% (
12.000 ).
2013 2014:
5.000
2012 3.000 2013.
80 .. .. 1.600 ,
2005.
2013 ( 2012):
: 5.000
:
) : 3.000
) : 80 .. x 40 /..= 3.200
) .. : 4.480
: 10.680
,
5.000 (
5.000 ) 10% 5.680
.
: (10.680 - 5.000) = 5.680, 10% = 568
2014 ( 2013):
: 3.000
:
) : 3.000
) : 80 .. x 40 /..= 3.200
) .. : 4.480
: 10.680
26%
10.680 .
113 |
.
. ,
.
,
, , ,
.
.
.
114 |
,
,
.
,
.
The Council of Ethics [14.1]
. , 50
.
excluded companies. [14.2]
:
,
.
,
.
. [14.3]
2014
.
, 200 600
30.
, ,
, 10
27 .
,
2
55 , 65 7 .
3 , 7,5-
2013 (1,2),
115 |
... 300.000
,
10 ,
,
.
,
, 17 27
, 30 300
! , ,
30%, . 600
.
10 ,
(
)
.
,
,
, . ,
450.000
.
,
,
/ (12-17 ),
, , 1/5
.
,
,
116 |
. ,
. 450.000
(, ),
,
.
,
.
,
(
6
, ),
. ,
,
3, 5, 10 .
20 ,
,
450 .
,
, ,
450 ,
. ,
, ,
, .
, ,
,
. (
117 |
65 )
.
,
,
.
, 10 27
.
,
2
55 , 65 7 .
3 , 7,5-
2013 (1,2),
...
300.000
,
10 ,
,
.
,
, 17 27
, 30
300 ! , ,
30%, . 600
.
10 ,
)
.
,
118 |
,
, . ,
450.000
.
,
/ (12-17
), , ,
1/5 .
,
,
.
,
. 450.000
(,
),
.
,
,
.
,
(
6
, ),
.
,
,
3, 5, 10 .
119 |
20 ,
,
450 .
,
, ,
450 ,
.
, ,
,
,
. [14.4]
. 181
4.000 ,
10 .
, , 62 , 4
, 44
3 .
, ,
, ,
1993
.
, , , ,
. , 17.671
5 ,
146 4.000
.
, 181 ,
Euro2day.gr,
1 2 ( 16 )
4.000 5.000 .
120 |
31 5.000 ,
3 4 ,
7.731
6.044 6.679 .
(1.285
)
(3.335 3.109 ).
6 4
,
,
,
,
5.393 , ,
().
27 5.000 6.000
, , ,
,
.
181
4.000 , ... 10 , 2
8 , 13 7, 19 6 , 24 5, 62
4, 44 3 , 14 2 2 1
.
, , 10
4 , 9 5 , 8 46
, 314 7 , 4.014
6 , 13.288 5 , 57.004 4 ,
324.563 3 , 927.953 2 1.329.664
.
2.656.855 ,
943,8 . [14.5]
121 |
(), 2023
.
2018
2,6 , 2,45 . ,
20%. [14.5.1]
,
, ,
( ),
. , ,
2020.
.
28 -
.
2025-2030.
,
, ,
,
. ,
2015, ,
2020 2012.
geing
Report
2015
2013-60:
122 |
0,2%.
6,9%
5,7% .
65 4,7%
4,6% .
20.600.
, 2013-2035
. , 2013 15.900,
2015 (.. 2013) 21.300, 2020 (
2013) 22.300, 2025 17.100, 2030
10.000 2035 3.200. ,
... 2025.
,
... 2025.
2,5% 2060
2013. 2020,
10,7 11
2013.
, 14 14,6%
12,9% ( -1,8%).
25-54 42,6% 33,3%
( 9,3%).
123 |
(15-64 ) 65,1% 54,2% (
10,9%).
0,7% 2060
2013. 2015 2,8%.
2015 2,2%.
2015 1,7%.
1,1 %
2015 0,9% 2020.
2025.
2013 171,6 . 2015
182,1 . 2013. 2015 163,5 . .
2013 2020, 167,9 .
. 2060 258,8 . .,
( 15-64 ) 7,190
2013 7,085 2015.
... 2060, 4,639 (
2,551 ).
4,871 2013 3,500
2060 ( 1,371 ).
(55-64 )
18,5% 2013 19,1% 2015, 20,2%
2060 ( 1,7% 2013-60).
124 |
2012 2015 ,
2020.
:
2015 2012 55
65 15 -64 20,6 %
( 2015) 22,3% ( 2012).
65 (
65 15 -64 )
2015 2012.
15
65 20-64 2015
57% 68% 2012.
15-74
174% 143 % 2012.
65
20-64 60% 2015
51% 2012.
65
20-64 2015 58%
50% 2012. [14.5.2]
125 |
.
.
50 %
( )
.
,
(http://lawyalty.wordpress.com/)
,
, 20.000 ,
. , 5
25%
!
,
500
.
,
40%.
,
.
, 30%
!
,
( ),
126 |
(!!!) !
(5 %)
(30 %)
,
, ,
7000
!
15 % ,
50 % , 100%
4000 !
, .
,
,
2, .
,
,
. 3
,
,
.
50 %
3500 6000 !
,
. ,
127 |
,
, ,
, .
,
, ,
,
50 !
50% , ,
, ,
,
,
,
,
!
,
,
,
.
,
,
.
.
128 |
!!
, ,
,
-
,
,
,
, )
,
.
2012. http://www.ssa.gov/policy/docs/progdesc/index.html
,
.. !
1.
20 %
14 .
.
, 31
1992 , 66,561.60
34,051.50 ,
129 |
1 1993.
, 20%.
( ) 20 % ,
6800 ,
1360 ,
,
.
,
, ...
: 4%
5.000 [94]
3.
130 |
their income which is 60% or below of the average wage NIS 5,297 (as of Jan
01, 2013) they pay national insurance contributions equivalent to % 6.72 (as
of Jul 01, 2002) of that share and pay health insurance contributions
equivalent to % 3.10 (as of Jan 01, 1995) of that share. For that share of
their income which exceeds 60% of the average wage up to the maximum
level of income for which national and health insurance contributions must
be paid, they pay national insurance contributions equivalent to % 11.23 (as
of Jan 01, 2006) of that share and pay health insurance contributions
equivalent to % 5.00 (as of Jan 01, 2006) of that share. For the table of
insurance rates and amounts for self-employed persons, press [97]
6.
: 153 675
,
, 5% . :
,
, ,
,
7.
: 20 % .
(545 ).
3,691.74 .
8.
: 9,9 % .
C $ 3500.
C $ 48.300. :
.
9.
: 10 %
1,49 %
1,55 % .
131 |
182.000 .
10.
: 25 % ,
.
.
benefits.UFs . UF 21,947.23
.
11.
: 9,74 %
.
$ 264.
.
12.
: 6.275 %
2.375 %
.
13.
: 10 %
(, )
18,25% (,
, ,
). 7.60 %
, .
14.
: : 12,5 %
1% 500 balboas
0,0875 % 500
balboas .
132 |
.
15.
: 12,4 %
: : 15 %
24.709 .
: 15 % 24.709
- 15 %
24.709 7,5 %
.
0,97 %
1,86% .
74.128 .
. E [98]
17.
. ,
, ,
15
.
18.
: 15.675 % .
19.
: 10 %
1,5 %
133 |
20.
16,25 % 20% , .
15% .
.
, (
, !!) [99]
21.
, ,
.
22.
: :
1 1960 , 17,8%
31
1959, 12,8%
. (
, 93 ).
420
2.000 .
: 5 %
.
420 .
2.000 .
23.
: : 20 %
& 15 %
.
, 10%
5 %
( 50 %
110 % ),
134 |
.
: 5 %
.
24.
: 12,6 %
1.025.
. ,
16,9%.
16,9%, 12,6% 4,3%
. !
,
. [100]
.
,
. [101]
25.
28
. 5.928
25 % .
10% .
72
.
25,137 .
135 |
26.
: : 21,2 %
, 53
& 22,4 % , 53
.
, 25 % 48
. 48 ,
.
.
6,775.60.
153.875.
27.
: : 16 % .
: 4 %
.
28.
: 19,6 % .
78,40 (940,80 !)
1,097.60 ( 940.80) 514,50 (E
439,04
),
.
29.
Guernsey: 10,5 % .
6.292.
105.144.
,
,
.
30.
: 10 %
27%
. 93.000 .
136 |
, ,
.
31.
: : 7.79 %
.
,
, , .
: 12% .
32.
: 5.000
, 4 %
).
.
, ,
.
5.000 .
33.
Isle of Man:
137 |
796.
12.500.
35.
32.46
.
32.46 %
, 18 % NDC
2 % .
, ,
. ( 2013,
6 % .
NDC
)
36.
: :
234 ( )
3.000 7,8 % (
) 1,5 %
(),
3.000 3,6 %
( ).
.
.
37.
: 16 % .
.
. 1,801.49.
. [102]
38.
: 26,25 56,78
, .
17.417 31
1961 19.682
138 |
1,
.,
1962.
.
39.
: 17,9 %
1,1 %
.
33.436.
40.
: 11 %
( ).
39.600 .
25 % 39.600 .
11,0%
( ).
3.000 = 330
. 4.000 .
(frikortgrense). NOK 39.997
2010. ( 4740.05 ). [103]
41.
: : 28,3 %
( 25 % 2016).
. : 3 %
2,5 % 0,05 %
.
35
% .
.
42.
: 22 % .
35 %
139 |
.
55.505 ( 2012).
43.
: 18 %
6 %
.
1 %
0,025 % .
339,89.
3.076. : 9 %
18 % .
44.
: 24.35 % .
15,5% .
.
. 748,10
.
2,4
45.
: 26,5 % 29,8 % .
46.
: H
,
.
[104]
47.
: : 17.21 %
140 |
().
28,97 % .
.
48.
7,8
( ) 1,4 %
().
.
49.
: ,
,
. [105]
50.
2,65 ,
5.595 9 % 7.605
42.475 2 % 42.475
( 2012). 15,5 %
. :
5,725 ! 7.775
, 2.70 .
// .
51.
[106]
52.
: : 20 %
.
53.
: 15 %
60.000 1.200.000 5 %
1.200.000 . (
).
141 |
54.
: 15 % .
200
1.000
)
5 % , 200
1.500 .
55.
: 5 %
. .
HK
$ 6,500 .
HK 25.000 .
56.
: : 2 %
: 1 % .
57.
: : 18 %
58.
14
75
.
5.000 .
59.
: 5 %
.
$ 7.000
( 1.000 10.000 $
2028).
60.
: 18 %
.
1.200 .
45.000 .
61.
: 10,4 %
, .
1.000 .
142 |
15.000 .
62.
: 2,33 % 9 % (
) . (
).
:
http://ec.europa.eu/social/main.jsp?catId=858&langId=en
, :
[107]
400 (
EO) .
5
. Nu poti fi asigurat cu forta :
.
:
1.
.. 2007.
,
.
2.
,
,
.
3.
() .
.
( )
, .
ICCJ
( )
143 |
!
index29O () .
ICCJ ( )
( ) .
Florin Kovacs
.
Kovacs
Rivanol Algocalmin. ;
80.000. ( )
20 !
() ,
Kovacs.
.
High Court of
. Kovasc
.
ICCJ
(). [23.1] , [23.2]
4. .
.
(pay as you go systems) (funded systems).
,
.
144 |
: . ,
. ,
,
,
.
,
.
.
,
.
,
. ,
, .
,
, . ,
,
.
.
-
145 |
,
.
,
. (
, ( )
, , 2007, . 181).
,
:
, :
,
. (. 59). , ,
,
, .
,
,
.
, . (. 183)
( .
-
) ,
146 |
, ,
,
,
, 2025
, , ,
2000, ,
2000 1975 ... ,
:
2050 ( 2025)
2025 (
2000) ... ,
,
,
,
. ,
, , :
, ( ,
, ..)
-, ,
..
(. 112-114),
,
, ,
. ,
, :
, .
147 |
,
,
, (
.
(, )
() (..
,
...) ,
. ;
/ ,
,
(, , , ,
..). ,
.. , (
2002, 1%
)- ,
,
( ),
. :
( )
; ,
, (,
) (.
)
,
, ,
148 |
,
(
, ,
).
.
.
,
.
,
.
,
,
.
.
. ,
. ,
,
.
, . (
, (
)
2007,
183)
149 |
.
( )
(. 184).
. ,
( )
. ,
()
,
.
() ,
,
()
.
() ,
.
( ) ,
, ,
.
, ,
. (
, ( )
2007,
190-191).
.
( ) ( )
150 |
, .
(,
) ,
. , ,
, , .
5.
,
, ,
. ,
2.800
.
,
2.800 ,
1,75%,
,
.
()
41
(>10
67
)
2.800,00
(%)
3%
(%)
3%
'
0
1
41
42
26
25
2.800
2.884
157.019
150.979
151 |
2
3
4
5
6
7
8
9
10
43
44
45
46
47
48
49
50
51
24
23
22
21
20
19
18
17
16
2.971
3.060
3.151
3.246
3.343
3.444
3.547
3.653
3.763
144.939
138.899
132.860
126.820
120.780
114.741
108.701
102.662
96.622
6.
PSI '
4 . 5
I. PSI - .
777.400.000
,
.
II. EUROBANK. Eurobank
9,4
PSI
152 |
Eurobank
11 . !
9,4
Eurobank PSI
,
Eurobank 11 .
!
(), 2013 5,8 ( 1,54 )
() Eurobank 95%
,
.
, , Eurobank
1,25 , Eurobank (
), fundingap Eurobank 4,06 550 .
. , Eurobank 760 .
fundingap Proton Bank 550 .
, Eurobank fundingap Aspis 300 .
,
,
13,2 .
,
() Eurobank :
( ) ,
(0,31),
(1,54),
.
Eurobank ( fund
), 2,86 (0,31 ),
65% Eurobank,
153 |
5,8 (1,54 )
95%, 35% ,
. 35% Eurobank
,
2 .
, (
) Eurobank 13,2
, , 2
.
Eurobank, ,
,
11 .
,
5,8 . 1,54
35%, 2,86 . 65%
Eurobank 0,31 .
5,8 . 1,54
95% Eurobank 2013
2014, 2,86 . 0,31 65%
35%.
Eurobank 15 . 5,5
6 . .
. 35% 95%
.
5,8 .
Eurobank Eurobank
17 .! ,
Eurobank 17 . 1,5
. P/E
8-10 20142016.. .
154 |
. .
Eurobank PSI
,
, .
3601/2007
Eurobank
,
(
95% 30% ), .
: 11 . ,
9,4 Eurobank,
Proton PSI .
9,4 . ,
PSI,
,
. , ,
11 . - 6,7 -
, 9,4 . 1,6 .. ,
1,6 . .
Eurobank ,
0,8 . .
III.
. ETE 11,7
PSI
. ETE
4 . !
, 11,7
155 |
ETE PSI
, , ,
ETE 4 .
!
,
,
, 4,29 .
2,5
2,20 , 8/5/2014 2,58 . 14,7%
.
48%
4 .
57%
84,37%
( Eurobank)
11,7 PSI,
!!!
: ,
PSI
11.7 .
. 8.7 . ,
(
) 5.0 . ,
8 . (!!) .
7.
....
....
156 |
.
. .80000/.25379/312 [
()] ,
, :
, ,
.
,
.
, . 10 101 . 4172/2013 [
(....)]
, ,
,
,
,
.8//2013 . 5/8/13 30
2013
, 101 . 4172/2013, /
)
55/2013 [ -
(....)], ) .8-2013 . 5/8/13 (
) ) /7/2014
(
),
!
,
,
157 |
.
,
,
- 2.800
, 1
,
- - ,
,
,
, ,
,
(
), , ,
,
(!) , ,
101 . 4172/2013
,
,
,
,
158 |
, , (. ... . 2199/2010,
.. 147/2009, 200/2007, 165/2003, 300/1999).
8.
1. , 63 (
. 2717/1999, 97) , ,
: 1. ,
,
. 2. ,
,
.
,
, .
( ), ,
. 3.
,
,
,
( ),
.
,
,
, , ,
, . 4.
, ,
,
,
159 |
, . 5. 6.
, .
. 7. . 66
1.
(60) , : . : )
: i. ,
ii. ,
. ) . ,
. 2. .
, ,
,
.
2. 66 (. 2717/1999 97 ) : 1. (60)
, : . :)
: .
.
3. , 7 . . 702/1977 (286 ) : 1.
, ,
, ,
, , ,
, ,
: )
, `
,
,
2. `
160 |
,
,
. 3 5.
, `
,
. ,
(..., . 2717/18-7-1999),
` 1 ,
, , ,
63 ,
,
,
,
,
( ),
.
4. ,
, ,
7 . 2 .
702/1977,
,
.
, `
,
, ,
,
161 |
,
, .
,
` ,
,
, `
, , ,
, . ,
` 7 . 5 . 702/1977
,
, ,
,
. , ,
,
,
, 124 ...,
, ,
` ( 664/1996
1996/841, 2112/1995 1995/601, 1853/1994, 934/1991
1992/111).
5. , 25 . 3655/2008 ( 58)
....
()
.
162 |
6. , 5
.2084/1992 (.22, 35, 37, 55),
.3232/2004, . 59 .10 N.3518/2006, N.2150/1993 (.19
.4), N.3986/2011 ( 44 . 14 & 15), N.4019/2011 (
20
5),
..
222/556
362/93
.'),
..
1943
.),
'
.80000/.652/45/15-01-2007
.80000/18572/2199/2010
.80000/.16397/635/14.7.2011
: 1)
:
1.1.1993 31.12.2006 5
(2 )
(12 170,53 /) 2.046,36
: 2.046,36
(10 ) 120,00
2) :
1.1.1993 31.12.2006 5
(2 )
(12 51,16 /) 613,92
: 613,92
: 2780,28 .
7. , 1 . 861/1979 (2), ,
62 . 5 . 3518/2006 (272)
: 1. H
(, ` ,
, , .)
, `
, .
,
163 |
, ,
.
.. . 2. `
,
, `
, ..
,
.
,
, .. . 3.
1 ,
,
. 4.
,
`
. 5. 1 4
:
,
, ) ,
164 |
8. , ,
,
, ,
, ,
.
,
,
,
, ,
(...
3068/2004,
2029/2009, 1502/2010). ,
,
,
. ,
,
, ,
(...3390/1989, 4842/1986, 3068/2004). ,
1 3 197
,
,
, ,
197
(...2097/1996, 2065/1998 . ... 291/1995 7., 1143/1995 7.,
2807/1998, 1043/2007 7., 1007/2008 7., 1943/2009,
1353/2011).
165 |
,
(. ... 1143/1995 7, 1353/2011).
9. , . 2/1089/613/1994 (
...,
..
`738/29.9.1994), ` . 1
1 . 861/1979,
- ....
: 1. /
, ) , )
, ) . 2. /
, ) . , ) , ).
, ). , ).. , ) .
10. , 2 3863/2010 ( ,
, , ) ,
, : 2 ( ): 1. 1.1.2015
. ,
2010, (360,00)
, 12
1 11 . ,
37 . 3863/2010 : 1-1-2015
..., .... ....
...
. ,
(....)
(.... ...)
,
.
166 |
167 |
12. , 4 1
5
,
. , ,
4 . 1 ,
.
, ,
,
,
.
,
.
,
, `
, , ,
,
,
.
,
,
,
(... . 2396/2004, . 2180/2004, .
1252 -1253/2003).
168 |
13. , , ,
22 . 5
(... . 3231/2008, . 3923/2010).
. ,
,
,
(
169 |
,
),
,
(. ...
. 2199/2010, .. 147/2009, 200/2007, 165/2003, 300/1999).
14. ,
,
,
,
, , ,
, ,
,
, , ,
( 3644/2011,
. 2263/1982 ., 452, 1948, 3446/2002, 1057, 2999,
3527/2009).
15. , ,
,
4 . 5
2 . 1
.
170 |
, ,
. ,
25 . 4
,
, , ,
,
-
- .
16. , 1
(....), ,
, .. 53/1974 ( 256),
.
.
.
,
. ,
,
,
, . ,
, ,
,
171 |
,
, ,
,
, , , ,
, , ,
.
, , 1
,
,
,
, ,
(. .... Vesna Hasani ,
30.9.2010, Andrejeva , 18.2.2009, 55707/00,
77, Stec , 65731/01
65900/01, 54, Jankovic , 12.10.2000, 43440/98,
Kjartan Asmundsson , 12.10.2004, No 60669/00,
39, Domalewski , 15.6.1999, 34610/97).
, 1
(. ....
.. , 20.9.2001, Juhani Saarinen
, 69136/01, Kechko , 8.2.2006, 23,
Vilho Esken , 19.4.2007, 94, Andrejeva
, 18.2.2009, 77), ,
,
. ,
1
, ,
172 |
,
,
, ,
, ,
.
(. .... James
, 21.2.1986, 8793/79, 46, Pressos
Compania Naviera S.A. , 20.11.1995, 37,
Saarinen , 28.1.2003, ,
8.7.2004, 25, Adrejeva , 18.2.2009, 83).
,
(. .... James , 50).
17. , , 21 ,
6.4.2001 `
( ` 84/17.4.2001) : 1.
, 25 : 1.
.
... ,
,
, ,
. ,
173 |
,
.
, , , ,
, (. 990/2004, 1006/ 2002, 1404/2002, 389/2000,
392/ 1993, 2183/1989, 1149/1988). ,
, , ,
,
, ,
, , , ,
,
(. 4050/1990).
, ` ,
,
, ,
, ,
, ,
,
, ,
,
( 765/2006 2008. 1029).
,
:
,
,
,
, ,
, ,
174 |
,
,
7 . 1 2 . 702/1977,
( ),
, ` 63 .
, 13, 14, 16, 17
2 3 ( ,
,
),
, , ,
, ,
, ,
,
.
,
3,
,
, , ,
,
175 |
,
2.800 ,
2012-2013 (. 74-78)
,
,
2.800 ,
.
, 41
26 ,
2.800 ( .
),
157.019 (
1,75%),
,
2016,
( )
,
2013-2050,
,
,
950 . 2016, 1,01 . 2017, 1,5 . 2018
4 . 2030.
, 12, 15, 16,
2 ( .
, ,
) 3 (
),
176 |
, : )
, )
, )
360 ( ), )
, (. 3863/2010,
4093/2012 ..) ,
, )
,
( 2014)
,
1.1.2015
( , 1.7.2014
) ) 2012-2013 (. 74-78)
, ,
, )
,
2016,
(
)
, )
(
HWWI)
,
2014
(Deutsche Institut der Alterversorge)
, i)
177 |
, ii) 2030
40% 65 , ii)
( )
, iii)
600% ( 180 . )
(175%
),
200% , iv)
, )
( 16,2 . )
, (.
.
107), )
i) , 10 4
, 9 5 , 8 46 ,
314 7 , 4.014 6 ,
13.288 5 , 57.004 4 , 324.563
3 , 927.953 2 1.329.664
, ii) , 2
55 , 65 7 ,
3 , 7,5-
2013 (1,2),
, iii) 83%
2009 (
), iv) 833 1.000.000
2 900 (!!!) , )
2009 (9,5%, 450.000
)
178 |
2009 - 2013
3,5% - 4%, 20 , )
( 2014)
2030,
"" 1,4%,
2,9%
2,1%, )
(), 2023
, )
2018
2,6 , 2,45 . ,
20%, ) geing Report 2015 (
)
2013-60 i) o 0,2%
, ii)
2035
179 |
2025, vi) 2013 171,6 . 2015
182,1 . 2013, 2015 163,5 .
, 2013 2020,
167,9 . , 2060 258,8 .
, vii) ( 15-64 )
7,190 2013 7,085 2015
... 2060 (!!!), 4,639
( 2,551 ),
4,871 2013
3,500 2060 ( 1,371 ) (!!!), viii)
(55-64 ) 18,5%
2013 19,1% 2015, 20,2% 2060
( 1,7% 2013-60),
,
,
, , ,
,
,
( 1 5, , 4 ),
-
(
,
) -
( ) ,
(
),
,
180 |
, . , ,
, ,
,
, ,
, -
-
,
, , ,
,
( 2.800 ,
2012-2013
),
(.
,
10.000 , 2
55 ). , ,
() , ,
,
, ,
- , , .
, 12-17
2 ( .
, ,
), 3 ( ) 4
(
),
, ,
181 |
. , ,
,
,
( )
,
,
, ,
,
, , ,
) ,
, ,
,
,
,
,
(.
3644/2011,
() ,
,
2 55 (!),
7.731
10 (!) 5 9
, 46 8 ,
314
7 , 4.014 6 , 13.288 5 ,
57.004 4 , 324.563 3 927.953 2
182 |
, ,
. ,
,
,
,
,
.
,
,
, , (. 13,
. ... . 2199/2010, .. 147/2009, 200/2007, 165/2003,
300/1999), ,
, ,
.
(
!),
2.800
.
, 12, 14, 15
17,
, (.
3863/2010, 4093/2012 ..) ,
,
,
183 |
,
, ,
,
, ,
4 . 5
2
. 1 ,
,
. ,
25 . 4
,
,
,
,
, ,
, ()
,
- ,
2012-2013 . 74
. 78
-
-
.
,
,
( 2),
( 3),
184 |
360 ( ),
, 22 5
,
(. . ..
2200/2010, 2180/2004). )
, ,
,
2012-2013 (.
74-78)
),
, , ,
,
( )
, )
) ,
,
(
),
185 |
,
- ,
, , ,
(. 2)
- ,
()
,
( 2.800
) ,
2 . 1 ,
(Existenzminimum)
( )
.
,
, ()
,
, 2
55 (!),
7.731 10 (!)
5 9 , 46
8 , 314 7 , 4.014 6
, 13.288 5 , 57.004 4 , 324.563
3 927.953 2 ,
186 |
, 12, 15, 16
3 ,
21/07/2011,
,
,
Eurobank
4 11
,
21,1
Eurobank PSI
, -
,
777.400.000 PSI
()
,
4 . 5
2 . 1
,
PSI
, ,
187 |
. ,
25 . 4
,
,
,
, ,
,
,
,
,
2012-2013 . 74 . 78
-
-
.
, 12,
(, ),
,
, , , ,
,
(,
),
,
25 . 1
188 |
.
, - ,
,
, ,
-
,
2.800
, ,
, , ,
(,
),
, ,
,
777.400.000
(!) PSI
(Private Sector Involvement),
777.400.000 ,
, .
16 ,
1 ....
,
,
,
.
, , 1
....
189 |
2.800 .
.
1 ....
,
.
1 1
....
190 |
, )
,
( 2014)
,
1.1.2015
(
, 1.7.2014 )
) 2012-2013 (. 74-78)
,
,
, )
,
2016,
( )
, )
HWWI)
,
2014
(Deutsche Institut der Alterversorge)
, i)
, ii) 2030 40%
65 , ii) (
) , iii)
600%
191 |
( 180 . )
(175% ),
200% , iv)
, )
( 16,2 . )
, (.
. 107), )
i) , 10
4 , 9 5 , 8 46 ,
314 7 , 4.014 6
, 13.288 5 , 57.004 4 , 324.563
3 , 927.953 2 1.329.664
, ii) , 2
55 , 65 7
, 3 , 7,5 2013 (1,2),
, iii) 83%
2009 (
), iv) 833 1.000.000
2 900 (!!!) , )
2009 (9,5%, 450.000
)
2009 - 2013
3,5% - 4%, 20 , )
( 2014)
2030,
"" 1,4%,
2,9%
192 |
2,1%, )
(), 2023
, )
2018
2,6 , 2,45 . ,
20%, ) geing Report 2015 (
)
2013-60 i) o 0,2%
, ii)
2035
193 |
,
,
, ,
,
, ,
,
2012-2013 (. 74-78)
.
, 1
(. ....
.. , 20.9.2001, Juhani Saarinen
, 69136/01, Kechko , 8.2.2006, 23,
Vilho Esken , 19.4.2007, 94, Andrejeva
, 18.2.2009, 77), ,
,
, ,
,
, , ,
, ,
, ,
,
194 |
,
(.
3644/2011,
2263/1982
.,
452,
1948,
3446/2002,
1057,
2999,
3527/2009),
,
.
,
,
2.800 , 1
, ,
-,
,
,
, , ,
-
,
(
),
,
- ,
-
, , ,
195 |
,
,
, (. 13, . ... . 2199/2010, ..
147/2009, 200/2007, 165/2003, 300/1999),
.
,
, ( )
(. ....
James , 21.2.1986,
8793/79, 46, Pressos Compania Naviera S.A. ,
20.11.1995, 37, Saarinen , 28.1.2003,
, 8.7.2004, 25, Adrejeva
, 18.2.2009, 83),
2.800
,
2012-2013 (. 74-78)
, ,
,
(. .... James
, 50). ,
2.800 ,
,
, ,
,
196 |
, , 1
. 1
....
,
.
,
,
, , , ,
,
(,
),
,
,
( 22 . 5 ).
9.
.
,
, :
I.
.
197 |
,
181,3% 2014, 176,6%
,
. ,
.
10 .
2014-2016 .
II. 2 (
-
) 3 (
),
, : )
, )
, )
360 ( ), )
, (. 3863/2010,
4093/2012 ..) ,
, )
,
( 2014)
,
1.1.2015
( , 1.7.2014
) ) 2012-2013 (. 74-78)
198 |
, ,
, )
,
2016,
(
)
, )
(
HWWI)
,
2014
(Deutsche Institut der Alterversorge)
, i)
, ii) 2030
40% 65 , ii)
( )
, iii)
600% ( 180 . )
(175%
),
200% , iv)
, )
( 16,2 . )
, (.
.
107), )
i) , 10 4
, 9 5 , 8 46 ,
314 7 , 4.014 6 ,
199 |
(), 2023
, )
2018
2,6 , 2,45 . ,
20%, ) geing Report 2015 (
)
2013-60 i) o 0,2%
200 |
, ii)
2035
201 |
, ,
,
,
,
, ,
,
( . 1609/2007).
III.
[.
. 3/2006 22 2008
( , .
33977/06)
.
,
.
( 3/2006
),
,
202 |
1 .1 (, mutatis mutandis,
, . 29515/95, 31, CEDH 1999-1).].
()
, ,
. ,
,
, ,
(, , .
33977/06 mutatis mutandis, Beer et Regan [CG], .
28934/95, 53 57, 18 1999, Hirschhorn ,
. 29294/02, 92-100, 26 2007).
,
() .
.
,
- , ,
. 46 .1
.
.. 537/1974 ,
28 . 1 ,
, 20 .1 4
.
,
203 |
,
, ,
, ,
(. .
, , 3 ., 2007, . 456-457,
. ,
, 2004, . 325 ., . ,
, 2003, . 269 .).
4 1
5
,
. , ,
4 . 1 ,
.
, ,
, ,
,
.
,
, `
,
,
,
.
,
204 |
,
,
,
(... . 2396/2004, . 2180/2004, .
1252 -1253/2003).
,
2.800 ,
,
,
20122013 (. 74-78),
, ,
,
,
, ,
( )
,
:
,
(),
205 |
, 2.800
,
, ,
,
, ,
,
, , .
,
()
,
2.800 ,
,
,
, ,
,
,
() ,
, 4 . 1, 2
206 |
. 1, 25 . 1 , 6, 13 14
(..53/1974) 2 . 3 , , 14 26
(2462/97).
,
,
(. 3/2006 22 2008
( , . 33977/06)
mutatis mutandis, Beer et Regan [CG], . 28934/95,
53 57, 18 1999, Hirschhorn , .
29294/02, 92-100, 26 2007).
,
,
( . 1609/2007) ,
()
,
, , (. ... .
2199/2010, .. 147/2009, 200/2007, 165/2003, 300/1999).
,
-
Moody`s,
Fitch Standard & Poor`s AAA,
207 |
,
-
, -
2.800
,
, 85%
,
,
(Norway's Government Pension Fund Global)
.
( )
)
,
101 . 4172/2013,
) 2007
,
,
,
)
208 |
, 41
26 ,
2.800 ( .
),
157.019 ,
1,75%.
,
,
, , ,
,
,
2.800 ,
2012-2013 (. 74-78)
,
2.800
, ,
.
,
:
10/09/2014
10
2014
,
-,
, , , ,
-,
209 |
, , ) ,
()
() , )
()
, ) ,
( )
(), )
(), /
, , )
,
(),
/ ,
, )
()
/ ,
, . , ,
, ,
,
,
.
, 10/11/2014 ,
, 03/11/2014 514/2014
, :
210 |
,
, ,
7, . 1 .. 4114/1960,
,
,
.
.
.
,
,
03/11/2014 514/2014
/
10/09/2014
,
.
, ,
, ,
, ,
, ()
,
10/11/2014
. ,
211 |
,
1 . 861/1979
,
-.
)
)
,
, ,
,
( ),
3 1 . 861/1979 (2), ,
62 . 5 . 3518/2006 (272).
, , ,
3
1 . 861/1979,
,
.
,
,
, (
3 1 . 861/1979),
,
,
212 |
, , ,
, .
,
174: 1. ,
,
, .
,
'
.
,
,
.
,
, 25 . 3655/2008
( 1973/2011 . , 663/2011 ,
1645/2010 ).
, ,
, ....,
- (.... -...),
,
,
25 . 3655/2008, ,
,
, ,
, 2.800
213 |
,
,
, 2.800
,
-,
,
,
,
, ,
,
, ,
, ,
.
. 514/2014 03/11/2014
....
- (.... -...),
, 10
2014 (
)
214 |
,
-,
, , , ,
-,
,
, .
, :
)
() [
()]
,
) ()
,
) ( )
(),
)
(), / ,
,
)
(),
/ ,
,
)
()
/
, ,
,
215 |
)
, ,
Moody`s, Fitch Standard & Poor`s
AAA,
,
-
,
, -
2.800
,
85%
,
,
(Norway's Government Pension Fund Global)
, ,
)
( ),
, i)
/ ,
, ii) ,
,
, , ....
,
216 |
iii)
1710 ,
, ' 174 ,
: )
....
ETAA-TAN, . 10
101 . 4172/2013
,
.8//2013 . 5/8/13 30
2013, )
-
PSI )
2007 ,
,
,
. ,
, ,
, ...,
, .., )
/ ,
, .
.
217 |
10 2014