2002年,信用评级机构标准普尔公司估算出已允诺支付的养老金金额,其总额加起来超过了欧盟15个国家中9个国家一年的国内生产总值。任何被称为保险的东西实际上并不保险。在欧盟国家,政府退休项目通常以“社会保险”的名义支付退休金的90%。但是,真正的保险与这些政府的养老金计划是非常不同的。真正的保险要通过认真地进行数学及统计学计算来确定风险有多大,还要计算出需要多少保险金才能抵 In 2002, Standard & Poor’s, a credit rating agency, estimated the amount of pensions it promised to pay, adding up to more than a year of gross domestic product in nine of the EU’s 15 countries. Anything called insurance is not actually insurance. In EU countries, government retirement programs usually pay 90% of the pension on behalf of “social insurance.” However, the real insurance is very different from the pension plans of these governments. Real insurance is determined by careful mathematical and statistical calculations to determine how much risk there is and how much insurance is needed to arrive