一个国家60岁以上的人口如果达到或超过总人口的10%,就标志着这个国家进入了老龄化行列。据预测,到2000年我国的老年人口将达到1.3亿,届时,全国退休人员与在职人员的比例为24:100,到2030年,这一比例将变成56:100,即平均不到两名职工就要负担一名退休职工的生活。作为一个发展中国家而具有如此之高的老龄化速度,这在世界上并不多见。目前,世界上已经有近70个国家进入了老龄化行列,其中大部分是发达国家。这些国家过去大都采取传统的现收现付制来解决退休人员的养老金问题,但是,这样一种养老金制度 If a country’s population over the age of 60 reaches or exceeds 10% of the total population, it marks the country’s entry into the aging population. It is predicted that by the year 2000, the population of the elderly in our country will reach 130 million. By then, the ratio of retired people to serving people in the country will be 24: 100. By 2030, this proportion will be 56: 100, averaging less than two Workers will have to pay for the lives of a retired employee. With such a high rate of aging as a developing country, it is rare in the world. At present, nearly 70 countries in the world have entered the aging population, most of whom are developed countries. In the past, most of these countries used the traditional pay-as-you-go system to solve the retirement pension problem. However, such a pension system