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在美国,老年工人们拥有消费、纳税、投资和就业四项能力及其经济贡献,正在形成老龄人口红利。而中国,由于政府控制着微薄的养老基金,包括财政专户保管的职工个人账户养老基金约1.6万亿元,没有进入资本市场。劳动者没有决策权,产权保护也不明确。在急速人口老龄化的条件下,缺乏规划,至今尚未见到老龄人口红利的迹象。
In the United States, older workers are forming the old-age demographic dividend with the four capacities of consumption, taxation, investment and employment and their economic contribution. In China, due to the government controlling the modest pension funds, including personal accounts held in financial accounts, individual pension funds account for about 1.6 trillion yuan and have not entered the capital market. Workers do not have the power to make decisions and property rights protection is not clear. Under the conditions of a rapidly aging population, there is a lack of planning and no sign of the demographic dividend has yet to be seen.