使老年生活更缺安全感

这几乎是一种错觉:养老金危机正隐约浮现于日本、欧洲、美国的地平线上。尽管有些夸大,但这个问题真实存在。目前解决这一问题的计划已在制定之中。

问题关键在于,美国总统乔治W·布什提议为本国社会保障体系建立的养老金私有化制度,究竟能否解决该问题还是反而使它雪上加霜。由于许多国家目前正考虑是否也采纳布什的该项计划,这个问题需要仔细研究。

明显,私有化本身不是解决方案。美国养老金私有化制度磕磕碰碰一路,现已背负了几千亿美元的债务,亟待政府援助。私有化允许个人设立私人储蓄账户,而社会保障制度投资低回报率的国库券。曾有一度,前者看起来优于后者。私有化的拥护者们宣称,基金投资于股票将会获得更丰厚的回报,还预测了高达9%的回报率。

To continue reading, please log in or enter your email address.

To continue reading, please log in or register now. After entering your email, you'll have access to two free articles every month. For unlimited access to Project Syndicate, subscribe now.

required

By proceeding, you are agreeing to our Terms and Conditions.

Log in

http://prosyn.org/ncjHX1V/zh;

Cookies and Privacy

We use cookies to improve your experience on our website. To find out more, read our updated cookie policy and privacy policy.