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一生命周期理论认为,人们储蓄的目的在于退休期的养老,这一论断为研究养老保险制度和国民储蓄间的关系提供了理论基础。在养老保险制度下,职工在工作时期缴费,并在退休期获得养老金收入,由此,职工会在工作期以一对一的比例减少工作期的储蓄。在现收现付制下,当期养老保险缴费用
A life cycle theory holds that the purpose of people’s savings is retirement pension, which provides a theoretical basis for studying the relationship between the pension insurance system and national savings. Under the old-age insurance system, employees pay contributions during working hours and receive pension benefits during their retirement periods. As a result, the workers’ unions will reduce their working-time savings by one-on-one during their working hours. Under the pay-as-you-go system, the current pension insurance fee is paid