智利的养老保险私有化改革是对传统社会养老保险制度的一种创新,它突出强调了个人在社会保障中的责任,其私有化的养老金管理带来了较高的投资回报,促进了国内储蓄率的提高和资本市场的发育,对我国当前养老保险改革有关重要的借鉴意义 随着全球人口老龄化、经济危机、失业率增加等原因,原有的社会保障制度和社会福利体系面临日益严峻的支付危机,以英国和瑞典为代表的“从摇篮到坟墓”的高福利政策给财政赤字增加了重重压力,巨额的社会保障支出带来了高额的公共开支和不平衡预算,反过来又导致高利率和低投资,高福利又引致了高税 Privatization of pension reform in Chile is an innovation of the traditional social pension insurance system. It highlights the individual’s responsibility in social security. Its privatized pension management has brought a high return on investment and promoted domestic With the global population aging, economic crisis, increased unemployment and other reasons, the original social security system and the social welfare system is facing increasingly serious The payment crisis, the high welfare policy “cradle to grave” represented by Britain and Sweden, put tremendous pressure on the fiscal deficit, and huge social security expenditure brought high public expenditure and unbalanced budget which in turn led to High interest rates and low investment, high welfare has caused high taxes