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中国养老保险之困在于,不合理的国民收入分配格局造成个人养老准备严重不足,而政府主导的养老保险又同时面临内生性和外源性的双重困境。养老保险改革的重心是提升个人、家庭和企业的自我保障能力。
The plight of China’s pension insurance lies in the unreasonable distribution pattern of national income that results in a serious shortage of individual pension plans. And the government-led pension insurance is also facing both endogenous and exogenous dilemmas. The focus of pension reform is to enhance the self-protection capacity of individuals, families and enterprises.