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20世纪末,联合国《人类发展报告》指出,世界人口已经开始进入老龄化阶段。其中中国2000年的老龄人口已达世界老龄人口的10％。到2025年,当全世界老龄人口达到11.21％时,中国老年人口占其中1/4。到2030年时,退休人员与就业人员的比例为47.4:100,也就是说,在退休高峰期企业的养老统筹将达到工资总额的40％以上,企业将会出现养老金的支付危机。届时,不仅企业不堪重负,社会安定也会受到影响。人们无不忧虑地感慨:我们的养老保障基金从何而来?已有的养老保险能否保障未来。
At the end of the 20th century, the UN Human Development Report pointed out that the world’s population has begun to enter the aging stage. Among them, China’s elderly population in 2000 has reached 10% of the world’s elderly population. By 2025, when the world’s elderly population reaches 11.21%, China’s elderly population accounts for one quarter of the total. By 2030, the ratio of retirees to employed persons will be 47.4: 100, which means that enterprises will have a crisis of payment of pensions when their pension co-ordination will reach over 40% of their total wage at the peak of retirement. By then, enterprises will not only be overwhelmed, social stability will also be affected. People are feeling with all their worries: where does our pension fund come from and whether the existing pension insurance can guarantee the future?