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近年来,由于出生率的持续低迷,德国人口老龄化趋势不断加剧,退休人员大量增加,导致养老金支出相应攀升;另一方面,技术的进步又使就业岗位趋于减少,就业状况不容乐观,失业加剧使养老保险的缴费支持受到很大的影响。这种状况给德国养老保险基金带来巨大的支付压力。同时,传统的社会价值观念又趋向于从业人员在退休后能够拥有比较体面的生活,生活水平不能比退休前下降太多。这些问题给现行的养老保险制度提出了新的挑战。
In recent years, due to the continuous downturn in the birth rate, the population aging trend in Germany is constantly aggravating and the number of retirees has increased substantially, resulting in a corresponding increase in pension expenses. On the other hand, advances in technology have also led to the reduction of employment posts, unsatisfactory employment conditions and unemployment Exacerbating the pension payment support has been greatly affected. This situation has brought tremendous pressure to pay for the German pension fund. At the same time, traditional social values tend to give employees a decent life after retirement, and their standard of living can not drop much more than before retirement. These problems have posed new challenges to the current pension insurance system.