網帖折射中國80後的養老焦慮
How much money does a young Chinese worker need to save for retirement?
中國的年輕工薪階層每人得為養老準備多少錢？According to a post that＊s gone viral on the Chinese Internet: 3.14 million yuan ($494,000).
據中國網際網路上瘋傳的一個帖子稱：人民幣314萬元(合49.4萬美元)。The number, which comes from financial planners cited in the Chongqing Morning Post, is based on the assumption that workers born in the 1980s will need 2000 yuan ($315) per month for 20 years to retire comfortably.
這個數字是《重慶晨報》(Chongqing Morning Post)在相關報道中援引的理財師給出的，前提是這樣一個假設：上世紀80年代出生的中國人為了在退休後的20年過上舒服日子，屆時每月開支為2,000元。
China faces a pension crisis as its population ages, and that prospect is starting to alarm Chinese workers who are already struggling to pay for education, healthcare and housing. By the time those people who joined the workforce in the 1980s retire, there will be two workers for every retiree, compared to the current ratio of 6:1, according to Guangdong census last year.
隨著中國人口日益老齡化，中國面臨著養老危機，這不禁讓那些正疲於應付教育、醫療和住房開支的中國工薪階層嚇了一跳。據廣東省老齡委統計，目前正值青壯年的"80後"退休時，平均每兩個勞動力要養一名退休人員，而目前這個比例是六比一。
A joint Bank of China-Deutsche Bank study released last month showed that an ageing population will leave China pension funds with a shortfall of 18.3 trillion yuan ($2.89 trillion) by 2013.
中國銀行(Bank of China)與德意志銀行(Deutsche Bank)上個月聯合釋出的研究報告顯示，人口老齡化將讓中國到2013年出現18.3萬億元(合2.89萬億美元)的養老金缺口。Lang Xianpin, a prominent Chinese economist, said it would be extremely difficult for many Chinese people to save enough for their retirement. China is now playing a ＆Ponzi Game we use pension funds provided by young people to cover the spending of the older generation. When young people retire, there will be no money left for them. It'll be very dangerous, Mr. Lang said in a blog post.
中國知名經濟學家郎鹹平說，對於很多中國人來說，攢夠養老的錢是極為困難的事。他在一篇部落格裡說：我們現在是用年輕人交的養老金去補老年人的支出，玩的就是一個"龐式遊戲"，就是拿後面的錢補前面的，等到前面的退休金都被拿光了，並且現在的年輕人也退休了，就沒錢了，目前就是這麼危險。It has been brutal enough to save money to get married. How can we save that much for pension? one Sina weibo user commented, It used to be hard to live decently when we were young, and now it seems that it is even harder to wait for death decently,§ another comment says.
一位網友在新浪微博上留言說：為結婚攢錢就夠殘酷了，讓我們如何為養老攢出那麼多錢？另一位網友說，以前是活不起、死不起，現在連等死也等不起了！In the past few weeks, the government has floated a number of proposals to deal with the looming pension crunch.
過去幾周，中國政府為解決迫在眉睫的退休金危機提出了很多建議。Last month, the Ministry of Human Resources and Social Security said that an extension of the retirement age is inevitable. The current retirement age in China is 60 for men and 55 for women.
中國人力資源和社會保障部（簡稱：人社部）上個月宣稱，推遲退休年齡為"必然趨勢"。根據中國現行規定，男職工年滿60週歲、女幹部年滿 55週歲、女工人年滿50週歲可辦理退休手續。The Ministry is also proposing pension subsidies for parents of only children.
人社部還建議，應向獨生子女的父母發放養老補貼。
In addition, the government is studying tax breaks for pension funds and may introduce a trial program in Shanghai later this year, the China Securities Journal reported last week, citing unnamed sources.
此外，《中國證券報》(China Securities Journal)上週援引未具名訊息人士的話稱，中國政府正在探討養老金稅收優惠政策，可能將於今年晚些時候在上海進行試點。In an online survey conducted by , 90% of web users objected to a higher retirement age, saying it should be up to each individual whether to work longer.
中國網()做的一份網上調查顯示，90%的網友反對提高退休年齡，稱是否延遲退休應由個人決定。Why do Chinese people have to pay for our own pension when people in other countries can have their governments to pay for this? A Sina weibo post reads.
一位網友在新浪微博上發帖說：為什麼中國百姓要自己養老，而其它國家的百姓由政府給他們養老？
Meanwhile, Chinese-language newspapers in Canada and New Zealand have reported that more Chinese are migrating to those countries, partly to benefit from their more-generous pension benefits.
此外，加拿大和紐西蘭的中文報紙報道稱，越來越多的中國人開始移民到這些國家，其目的之一就是享受這些國家更為慷慨的退休金。Chinese seniors are coming over to enjoy local pension and social welfare benefits. Otherwise, who's willing to travel thousands of miles to leave our homeland behind? reads a comment by an overseas Chinese on a New Zealand blogsite.
一位海外華人在紐西蘭的部落格網站上留言說，中國老年人來這裡是為了享受當地養老和社會福利，如果不是這樣，誰願意不遠萬里離開祖國呢？
