网帖折射中国80后的养老焦虑

How much money does a young Chinese worker need to save for retirement?

中国的年轻工薪阶层每人得为养老准备多少钱？

According to a post that＊s gone viral on the Chinese Internet: 3.14 million yuan ($494,000).

据中国互联网上疯传的一个帖子称：人民币314万元(合49.4万美元)。

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.

这个数字是《重庆晨报》(Chongqing Morning Post)在相关报道中援引的理财师给出的，前提是这样一个假设：上世纪80年代出生的中国人为了在退休后的20年过上舒服日子，届时每月开支为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.

随着中国人口日益老龄化，中国面临着养老危机，这不禁让那些正疲于应付教育、医疗和住房开支的中国工薪阶层吓了一跳。据广东省老龄委统计，目前正值青壮年的“80后退休时，平均每两个劳动力要养一名退休人员，而目前这个比例是六比一。

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.

中国银行(Bank of China)与德意志银行(Deutsche Bank)上个月联合发布的研究报告显示，人口老龄化将让中国到2013年出现18.3万亿元(合2.89万亿美元)的养老金缺口。

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＊ 岸 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.

中国知名经济学家郎咸平说，对于很多中国人来说，攒够养老的钱是极为困难的事。他在一篇博客里说：我们现在是用年轻人交的养老金去补老年人的支出，玩的就是一个“庞式游戏，就是拿后面的钱补前面的，等到前面的退休金都被拿光了，并且现在的年轻人也退休了，就没钱了，目前就是这么危险。

※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.

一位网友在新浪微博上留言说：为结婚攒钱就够残酷了，让我们如何为养老攒出那么多钱？另一位网友说，以前是活不起、死不起，现在连等死也等不起了！

In the past few weeks, the government has floated a number of proposals to deal with the looming pension crunch.

过去几周，中国政府为解决迫在眉睫的退休金危机提出了很多建议。

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.

中国人力资源和社会保障部（简称：人社部）上个月宣称，推迟退休年龄为“必然趋势。根据中国现行规定，男职工年满60周岁、女干部年满 55周岁、女工人年满50周岁可办理退休手续。

The Ministry is also proposing pension subsidies for parents of only children.

人社部还建议，应向独生子女的父母发放养老补贴。

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，《中国证券报》(China Securities Journal)上周援引未具名消息人士的话称，中国政府正在探讨养老金税收优惠政策，可能将于今年晚些时候在上海进行试点。

In an online survey conducted by china.com.cn, 90% of web users objected to a higher retirement age, saying it should be up to each individual whether to work longer.

中国网(china.com.cn)做的一份网上调查显示，90%的网友反对提高退休年龄，称是否延迟退休应由个人决定。

※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.

一位网友在新浪微博上发帖说：为什么中国百姓要自己养老，而其它国家的百姓由政府给他们养老？

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，加拿大和新西兰的中文报纸报道称，越来越多的中国人开始移民到这些国家，其目的之一就是享受这些国家更为慷慨的退休金。

※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.

一位海外华人在新西兰的博客网站上留言说，中国老年人来这里是为了享受当地养老和社会福利，如果不是这样，谁愿意不远万里离开祖国呢？