我國居民退休準備指數四年來首跌 滑至6.0及格線

Chinese have lowered their expectations on life after retirement for the first time since 2013, according to the recently released 2016 Chinese Retirement Readiness Index.

近日發佈的《2016中國居民退休準備指數調研報告》顯示，自2013年以來，國人對退休生活的預期首次降低，退休準備指數由去年的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, though supposed to be saving up for their own retirement life, are under extreme burden to provide for their children and parents.

本應該爲自己的退休生活存錢的25-44歲羣體正承受着撫育子女、贍養父母的巨大壓力。

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

人們的樂觀預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 interests after retirement, while only 15.3% admit to saving for post-retirement life.

超6成受訪者想像自己退休後可以旅遊或發展個人愛好，但僅有15.3%的受訪者表示正在爲退休生活存錢。

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

清華大學經濟管理學院的陳秉正認爲，預期與準備之間存在鴻溝的原因在於人們的退休責任意識變弱、退休計劃不完善、儲蓄不足，以及對取得期望收入的信心下降。

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

陳秉正表示，在中國居民退休收入來源中企業佔比僅爲24%。企業應與商業保險合作，在員工個人早期投資上提供更多的指導和服務。