邓大松、王增文的“我国的养老风险及其规避”一文指出,养老风险产生的因素有3种:一是增加养老风险发生机会或严重程度的直接条件;二是由于人们主观上的疏忽或过失,以致增加养老风险发生的机会和扩大;三是由于恶意行为或者不良企图,故意致使养老风险事故发生或者扩大已发生风险事故所导致的损失程度。人口死亡率降低、养老基金缺口加大、农村正式社会养老保险缺乏,加剧了中国的养老风险。作者认为规避养老风险的重点是,改变导致养老风险事故发生的因素、所在的环境以及他们之间相互作用的机制。 Deng Dasong and Wang Zengwen pointed out that there are three kinds of factors that can contribute to the pension risk: one is the direct condition to increase the opportunity or severity of the pension risk; the other is the subjective negligence of people Or negligence, so as to increase the opportunities for pension risks and expand them. Third, intentional causes of pension risk accidents or the extent of losses resulting from the risk accidents that have occurred due to malicious acts or bad attempts have been made. The reduction in the death rate of the population, the increase in the pension fund gap, the lack of formal social pension insurance in rural areas have aggravated the pension risk in China. The author thinks that the key point of avoiding the pension risk is to change the factors that lead to the pension risk accidents, the environment in which they live and the mechanism of the interaction between them.