不同的老龄化,不同的发展模式

从人口老龄化到社会老龄化美国用71年,中国仅用21年。美国养老基金2010年达到18.89万亿美元,占全球总量的63%,是其GDP的120%;中国养老基金加总额为1.5万亿元人民币,是美国养老基金的1.27%。美国的养老基金从中国经济增长中得到了实惠;而中国养老基金由于空账运行、缺乏市场运作,没有分享到经济发展的成果。中国亟待创造条件让更多国民拥有财产性收入,特别是养老基金;应提高公民的养老金教育和管理能力,政府治理养老金市场的能力。

Population Ageing and Growth Patterns

It took 71 years for the US to evolve from population ageing into social ageing,while in China,it took21 years.The US pension fund boasted assets of $18.89 trillion by 2010,accounting for 63 percent ofthe global total and 1.2 times the country’s GDP.In China,the pension fund is worth 1.5 trillion yuan,about 1.27 percent of the US pension fund value.The US pension fund has benefited from China’seconomic growth while the Chinese fund has been operating with a"blank"account;it is yet to beoperated on market rules and has not benefited much from the country’s prosperous economic growth.China urgently needs to create favorable conditions so that more people can have their assets increased,especially as holder of the pension fund.The pension fund management abilities of the public shouldbe improved and the government should improve its professionalism in managing the pension fundmarket.