我國居民退休準備指數(shù)四年來首跌 滑至6.0及格線

Chinese have lowered their expectations on life afterretirement for the first time since 2013, according tothe recently released 2016 Chinese RetirementReadiness Index.

近日發(fā)布的《2016中國居民退休準備指數(shù)調(diào)研報告》顯示，自2013年以來，國人對退休生活的預(yù)期首次降低，退休準備指數(shù)由去年的6.51下滑至6.0。

The index dropped from last year's 6.51 to 6.0.Those aged between 25 to 44 years, thoughsupposed to be saving up for their own retirementlife, are under extreme burden to provide for theirchildren and parents.

本應(yīng)該為自己的退休生活存錢的25-44歲群體正承受著撫育子女、贍養(yǎng)父母的巨大壓力。

There is also a clear gap between people's positive expectations and inadequate preparationsfor the future.

人們的樂觀預(yù)期與對未來生活的不充足準備之間也存在明顯的鴻溝。

 

 

More than 60% of those polled picture themselves travelling or developing personal interestsafter retirement, while only 15.3% admit to saving for post-retirement life.

超6成受訪者想像自己退休后可以旅游或發(fā)展個人愛好，但僅有15.3%的受訪者表示正在為退休生活存錢。

Chen Bingzheng from the Economics and Management School of Tsinghua University attributedthe gap to the people's weakened sense of responsibility and an undeveloped retirement plan,insufficient savings, and less confidence in having an ideal income.

清華大學(xué)經(jīng)濟管理學(xué)院的陳秉正認為，預(yù)期與準備之間存在鴻溝的原因在于人們的退休責(zé)任意識變?nèi)酢⑼诵萦媱澆煌晟?、儲蓄不足，以及對取得期望收入的信心下降?/p>

The enterprises, which are contributing only 24 percent to peoples pension, should cooperatewith commercial insurances and offer more guidance or service at earlier stage to employeeson personal investment, said Chen.

陳秉正表示，在中國居民退休收入來源中企業(yè)占比僅為24%。企業(yè)應(yīng)與商業(yè)保險合作，在員工個人早期投資上提供更多的指導(dǎo)和服務(wù)。