随着华人新移民的增多以及第一、二代华人逐渐步入中老年,华人在他乡怎样防老如何养老成为他们迫切关注的话题。据了解,多数海外华人仍然保留着高储蓄来作为自己退休后的保证,但“以房养老”和“落叶归根”也逐渐进入老年华人的视线。储蓄防老最“传统”有评论者认为,中国人爱存钱与中国目前社会保障体系不够完善有关。不过,西方国家的社会福利普遍较高, With the increase of new immigrants in China and the first and second generation of Chinese gradually entering middle-aged and older age groups, the issue of how to support the elderly in old age has become a topic of urgent concern to Chinese. It is understood that most overseas Chinese still retain high savings as their own post-retirement guarantee, but “housing pension ” and “falling roots ” also gradually into the eyes of the elderly Chinese. Some of the critics hold the view that the Chinese love to save money is related to the imperfect social security system in China. However, the social welfare in western countries is generally high,