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随着中国出生率的下降和人口寿命的延长,到2030年,老龄人口将占总人口的24%,而“未富先老”的现状使得我国建设完备养老体系的道路困难重重。面对养老制度不明朗,越来越多的人选择了储蓄防老。然而,对应于我国国民经济的高速发展和较低的利率水平,“储蓄”已越来越不能胜任居民
With the declining birth rate and population life expectancy in China, by 2030, the aging population will account for 24% of the total population. However, the current situation of “getting old before getting rich” makes it difficult for China to build a complete pension system. The face of pension system is uncertain, more and more people choose to save the pension. However, corresponding to the rapid development of our national economy and the relatively low interest rates, “savings” have become less and less competent