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日本人:大多数日本人从参加工作起就会从工资里扣掉一部分钱,建立起个人的福利账户。同时,日本的投保率达到400%,平均每个人的4张保单中就有一张年金保险。由此来看,日本人大多运用商业养老保险和社会福利相结合的形式安度晚年。尽管日本是一个比较早进入老龄化社会的国家,但它是在经济非常发达的背景下进入老龄化社会的,因此大多数老人除了在精神上比较孤独外,并不存在经济上的压力。欧美国家:多数通过社会福利保障的形式来解决养老问题,每人参加工作后都会建立起终身使用的社会福利号码,年老时可到
Japanese: Most Japanese deduct a portion of their salary from their wages to start work, and establish a personal welfare account. At the same time, Japan’s insured rate reaches 400%, with an average of one annuity insurance out of four policies for each individual. From this point of view, most Japanese use of commercial pension insurance and social welfare in the form of combination of old age. Although Japan is a country that has entered the aging society earlier, it has entered an aging society in a very prosperous economy. Therefore, most of the elderly are financially relieved except for being mentally lonely. Europe and the United States: most of the social security benefits through the form to solve the problem of pensions, each participating in the work will establish a life-long social welfare number, when old