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中国人55岁退休太早,浪费严重?

2016-11-15 14:48:58   人文经济学会公众号

新加坡很有意思,李光耀西方的东西他都学,但是就不学养老保险,他是搞公积金制度,让自己来选择,有的人觉得身体比较差,活不了很长,60岁就退休了,有的人觉得我可能活到90岁,那就工作到75岁、80岁,他自己选择。这时候基金制就是比较好的,因为自己对自己的身体最清楚。

不管怎么说,中国的另外一个问题就是退休太早,55岁还是60岁退休都是太早,所以中国人力资源浪费现在是非常严重。这个问题引申出另外一个问题,如果我们不让他50岁、55岁、60岁退休,我们一股脑把退休年龄提到60岁可以吗?那么就业就成了问题。我觉得和第一个问题连起来考虑,让50岁的人退休了干什么呢?而且这些人也愿意干,就养着第三代,解放出80后、90后,提高劳动生产率以服务社会。

反过来我担心一个事情是什么呢?如果我们独生子女政策彻底放弃了,这个社会都不愿意生很多小孩,尤其是富裕地区和人力资本高的地区,因为现在富裕了,都想去旅游,谁愿意多养小孩。我们曾经讨论过东亚国家,重视对孩子的教育、重视考试的国家,都不愿意多要小孩。去问问清华大学的学生,你们爸妈为了你们的学习半条命没有了,要培养两个孩子,一生的幸福就没有了。

最后,如果有基金制,如果是开放的,中国现在非常重要的一点是什么呢?中国人口越来越老龄化,如果我们向日本学习,把金融搞好,把金融理财搞好,尤其是允许把资金投到海外,跟海外人口比较年轻的国家,比如印度、越南相结合,这是中国未来非常好的路子,除此之外,没有好的办法了。

责任编辑:陈倩 CN030
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