相对于微博上对中国人口老龄化及养老问题的纷纭议论,专业机构的调查报告显得更耐人深思。日前,一份来自波士顿咨询公司(BCG)的题为《发掘银发市场的金色机遇》的报告认为,中国人口老龄化的发展态势将给社会保障体系带来沉重的压力。正像BCG报告说明的那样,中国的养老保险制度建立在三大支柱基础上,并以政府的最低生活保障、个人储蓄和家庭支持为补充,但这三个支柱都有待加强。作为第一支柱,强制性社会保险由社会统筹和个人的“固定缴 Relative to microblogging on China’s population aging and pension issues controversial, professional agencies survey report appears more thought-provoking. Recently, a report from the Boston Consulting Group (BCG) entitled ”Discovering the Golden Opportunity of the Silver Market“ held that the development of population aging in China will put heavy pressure on the social security system. As the BCG report shows, China’s pension insurance system is based on three pillars and supplemented by the government’s minimum living allowance, personal savings and family support. However, all three of these pillars need to be strengthened. As the first pillar, compulsory social insurance by the social pooling and personal ”fixed payment