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學習快評丨qibao666888　　中??(zhong)國??(guo)金??(jin)融??(rong)學??(xue)會??(hui)副??(fu)會??(hui)長??(chang)、中??(zhong)國??(guo)人?(ren)民??(min)銀??(yin)行??(xing)原??(yuan)行?(xing)長??(chang)助??(zhu)理??(li)張??(zhang)曉??(xiao)慧?(hui)在??(zai)主??(zhu)持??(chi)分??(fen)論??(lun)壇??(tan)時?(shi)表??(biao)示??(shi)??，“在??(zai)全??(quan)生??(sheng)命??(ming)周??(zhou)期??(qi)當??(dang)中??(zhong)??，每??(mei)個??(ge)人??(ren)都??(dou)會??(hui)變??(bian)老??(lao)??，每??(mei)個??(ge)人??(ren)都??(dou)需??(xu)要??(yao)養(yǎng)??(yang)老??(lao)金?(jin)來??(lai)保?(bao)障??(zhang)自??(zi)己??(ji)在??(zai)晚??(wan)年??(nian)活??(huo)得??(de)更??(geng)有??(you)尊??(zun)嚴??(yan)??，所??(suo)以??(yi)這??(zhe)是??(shi)我??(wo)們??(men)這??(zhe)場??(chang)討??(tao)論??(lun)的??(de)重??(zhong)要??(yao)性??(xing)與??(yu)核??(he)心??(xin)所??(suo)在??(zai)”??。??(完??(wan))　　鄭??(zheng)秉??(bing)文??(wen)表??(biao)示??(shi)??，老??(lao)齡??(ling)化??(hua)的?(de)快??(kuai)速??(su)發(fā)??(fa)展??(zhan)對??(dui)包??(bao)括??(kuo)養(yǎng)?(yang)老??(lao)金??(jin)制?(zhi)度??(du)在??(zai)內??(nei)的??(de)各??(ge)方??(fang)面?(mian)影??(ying)響??(xiang)巨??(ju)大??(da)??。??他??(ta)建?(jian)議??(yi)??，推??(tui)動??(dong)養(yǎng)??(yang)老??(lao)金??(jin)體??(ti)系??(xi)從??(cong)現??(xian)收??(shou)現??(xian)付??(fu)融??(rong)資??(zi)方??(fang)式??(shi)向??(xiang)預??(yu)籌??(chou)式??(shi)投??(tou)資??(zi)方??(fang)式??(shi)轉??(zhuan)變??(bian)??，從??(cong)負??(fu)債??(zhai)型?(xing)制?(zhi)度??(du)向??(xiang)資??(zi)產??(chan)型??(xing)制??(zhi)度??(du)轉??(zhuan)變??(bian)??。在??(zai)鄭??(zheng)秉??(bing)文??(wen)看??(kan)來??(lai)??，資?(zi)產??(chan)是??(shi)有??(you)回??(hui)報??(bao)的??(de)??，資??(zi)產??(chan)的??(de)規(guī)??(gui)模??(mo)越??(yue)大??(da)??，回??(hui)報??(bao)就??(jiu)越??(yue)高??(gao)??，就??(jiu)可??(ke)以??(yi)抵??(di)消??(xiao)由??(you)老??(lao)齡??(ling)化??(hua)引??(yin)起??(qi)的?(de)繳??(jiao)費?(fei)減??(jian)少??(shao)所??(suo)帶??(dai)來??(lai)的??(de)壓??(ya)力?(li)??。。