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中国属于未富先老的人口大国,未来面临巨大的养老金缺口。2004年,当时的劳动和社会保障部郑斯林部长曾透露,当时中国养老金缺口达2.5万亿。中国人民大学一项研究表明,在新旧养老制度的转轨过程中,产生了约8万亿元的养老金债务总额。显然,中国社保基金存在较大的保值增值压力,而超过32万亿的居民储蓄存款中也有相当大比例的资金是为未来养老留的储备,需要通过投资增加收益,增厚养老储备。
As a big populous country that is not wealthy and old, China faces a huge pension gap in the future. In 2004, Minister Zheng Silin of the then Ministry of Labor and Social Security disclosed that at that time the pension gap in China amounted to 2.5 trillion yuan. A study by Renmin University of China shows that about 8 trillion yuan of total pension debt has been generated during the transition of old and new pension systems. Obviously, there is a big pressure of increasing and increasing the value of social security funds in China. However, a considerable proportion of the savings of more than 32 trillion yuan in deposits are reserved for future retirees. They need to increase their returns through investment and increase their reserves.