养老金年金化是各发达国家及发展中国家保障老年人收入安全、维护社会稳定的重要手段之一,也是我国养老金制度改革并轨过程中可以借鉴的重要措施之一年金作为一种重要的养老金给付方式,能够有效应对长寿风险,而且能带来投资回报。养老金年金化是各发达国家及发展中国家保障老年人收入安全、维护社会稳定的重要手段之一, Pension annuity is one of the important means to ensure the income security of the elderly and maintain social stability in all developed and developing countries. It is also one of the important measures that can be used for reference in the process of merging pension reform in China. Annuities as an important pension Gold payment method, can effectively deal with longevity risk, but also bring return on investment. Pension annuity is the developed countries and developing countries to protect the income security of the elderly, maintaining social stability, one of the important means,