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人口老龄化对养老保障制度提出了严峻的挑战。本文在对我国现行的养老保障制度进行分析和比较的同时,提出了“消费养老”的概念,阐述了消费养老保障模式的内涵和特点,探讨了它的重要作用和可行性,为大力推广消费养老保险项目提出了理论和政策依据。
The aging population poses a severe challenge to the old-age security system. This paper analyzes and compares the current pension security system in our country, and puts forward the concept of “consumer pension”. It elaborates the connotation and characteristics of the consumption pension security model and discusses its important role and feasibility. The promotion of consumer pension insurance projects put forward the theory and policy basis.