文章从消费养老的内涵出发,分析了消费养老与其他养老模式的不同之处及其现实意义,并根据消费养老目前的运行情况,指出了消费养老在发展过程中应注意的相关问题。 Based on the connotation of consumer pension, the article analyzes the differences between consumer pension and other pension models and their practical significance. According to the current operating conditions of consumer pension, the paper points out some issues that should be paid attention to during the development of consumer pension.