The supplementary occupational and individual pension systems in Central and Eastern European countries (CEE) are poorly regulated while their architecture is very complex. Law on supplementary pensions focuses on ensuring financial security of financial institutions, their liquidity and solvency, as well as on stimulating the development of additional pension protection understood as higher coverage and assets under management. The efficiency guarantees and cost limits have not been implemented and the profitability of such products for individual savers is rarely assessed. The analyses conducted on the regulation of voluntary old-age pension systems in Bulgaria, Estonia, Latvia, Lithuania, Poland, Slovakia and The Czech Republic indicated the main inadequacies of the supplementary old-age provision offered. They relate to the lack of preliminary and regular product assessment, inadequacy of plan design, efficiency and costliness. The recommended changes relate to risk sharing, forms of pension benefits, limits on costs, information policy and transparency.

中欧和东欧国家（CEE）的补充性职业和个人养老金体系监管不力，而其体系结构非常复杂。补充养老金法侧重于确保金融机构的财务安全、流动性和偿付能力，以及刺激发展被理解为更高覆盖率和管理资产的额外养老金保护。效率保证和成本限制尚未实施，此类产品对个人储蓄者的盈利能力很少评估。对保加利亚、爱沙尼亚、拉脱维亚、立陶宛、波兰、斯洛伐克和捷克共和国自愿养老金制度的监管进行的分析表明，所提供的补充养老金的主要不足之处。它们与缺乏初步和定期的产品评估、计划设计、效率和成本的不足有关。建议的变更涉及风险分担、养老金福利的形式、成本限制、信息政策和透明度。