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中国老年人口规模巨大、发展迅速,将长时期保持很高的递增速度,属于老龄化速度最快国家之列。中国是一个发展中国家,总人口和老年人口都占世界的五分之一。由于长期积贫积弱,在改革开放前我国GDP还不到世界的1%。中国人口庞大,并且又迎来加速老龄化,是典型的“未富先老”的国家。居民储蓄与老龄化关系复杂,一方面从生命周期角度和养老保险实施之后,老龄化会减少居民储蓄,另一方面老人的消费少爱储蓄又会导致我国的居民储蓄增加。
China’s elderly population is huge and rapidly developing, maintaining a high rate of growth for a long period of time and is among the fastest-growing countries in the world. As a developing country, China has a total population of one fifth of the world’s population. Due to long-term poverty and weakness, before the reform and opening up, China’s GDP was less than 1% of the world. With its huge population and its accelerated aging, China is a typical “rich country”. The relationship between household savings and aging is complex. On the one hand, after the implementation of endowment insurance, aging will reduce household savings. On the other hand, the savings of elderly people will lead to the increase of household savings in China.