日益严重的人口老龄化问题给养老保险制度带来了巨大的冲击,各国纷纷掀起了养老保险制度改革的浪潮。与此同时,养老保险与个人储蓄之间的关系也成为经济学家关注的焦点。不同的研究模型对养老保险与个人储蓄的相关性做出了不同结论,对养老保险政策的制定与实施也产生了不同的影响。老龄化促进养老保险改革近年来,我国人口老龄化的问题在国内外都引起了广泛的关注。2000年,我国60岁以上人口比 The increasingly serious problem of population aging has brought tremendous impact on the pension insurance system. All countries have set off a wave of reforms in the pension insurance system. At the same time, the relationship between pension insurance and personal savings has also become the focus of economists. Different research models have made different conclusions about the correlation between pension insurance and personal savings, and have also had different effects on the formulation and implementation of pension insurance policies. Aging to promote pension reform In recent years, the issue of population aging in our country have attracted widespread attention at home and abroad. In 2000, China’s population over the age of 60