居民收入结构、财富结构畸形,是由于个人的养老金资产占其终身收入的比重过低,迫使居民表现出强烈的储蓄养老动机,如此又进一步强化经济结构的畸形整体上看,养老金制度已经成为社会和谐的润滑剂,市场经济的制度基础,资本强国的坚实地基。故而,把养老金发展提升为国家发展战略,释放社会经济压力,创造养老金红利,既是未来我国巨大的后发优势,也是崭新的比较优势。养老金红利与城镇化红利、改革红利汇聚一 Resident income structure, wealth structure deformity is due to the proportion of personal pension assets in their lifetime income is too low, forcing residents to show a strong motivation for savings and pension, so as to further strengthen the deformity of the economic structure Overall, the pension system has been Become a social harmony lubricant, the institutional basis of a market economy, a solid foundation for capital power. Therefore, raising pension development as a national development strategy, releasing social and economic pressure and creating a pension dividend are not only the great backward advantage but also the new comparative advantage for our country in the future. Pension dividend and urbanization dividend, reform dividend brought together one