The pensions crisis or pensions timebomb is the predicted difficulty in paying for corporate, state, and federal pensions in the United States and Europe, due to a difference between pension obligations and the resources set aside to fund them. Shifting demographics are causing a lower ratio of workers per retiree; contributing factors include retirees living longer (increasing the relative number of retirees), and lower birth rates (decreasing the relative number of workers, especially relative to the Post-WW2 Baby Boom). There is significant debate regarding the magnitude and importance of the problem, as well as the solutions.[1]

For example, as of 2008, the estimates for the underfunding of the United States state pension programs ranged from $1 trillion using a discount rate of 8% to $3.23 trillion using U.S. Treasury bond yields as the discount rate.[2][3] The present value of unfunded obligations under Social Security as of August 2010 was approximately $5.4 trillion. In other words, this amount would have to be set aside today so that the principal and interest would cover the program's shortfall between tax revenues and payouts over the next 75 years.[4]

Some economists question the concept of funding, and, therefore underfunding. Storing funds by governments, in the form of fiat currencies, is the functional equivalent of storing a collection of their own IOUs. They will be equally inflationary to newly written ones[clarification needed] when they do come to be used.[5]

Reform ideas can be divided into three primary categories:

• Addressing the worker-retiree ratio, by raising the retirement age, employment policy and immigration policy
• Reducing obligations by shifting from defined benefit to defined contribution pension types and reducing future payment amounts (by, for example, adjusting the formula that determines the level of benefits)
• Increasing resources to fund pensions by increasing contribution rates and raising taxes.
  

现在中国养老金短缺4万亿，大家只有去“种菜”“偷菜”了！

...白宫种菜历史悠久,可追溯到1800年约翰·亚当斯时期。第一夫人是白宫菜地的...
香港特首梁振英在家:种菜、种瓜、。。。。经济不景气 英国人热衷花园种菜

有一点点绝对了，养老金用处主要是把年轻人缴纳的养老金支付给在他们之前缴纳养老金的老年人，随着中国老龄化加剧，年轻人越来越少，缴纳的养老金越来越少，老年人越来越多，支付的养老金越来越多，因此形成了巨大的缺口，这是只是债务危机之一，再举个例子，以汇率为例子，如果中国不实行外汇管制，汇率波动幅度频繁，那么大量举债的企业将面临的是灭顶之灾，比如汇率从1:7波动到到1:8，举外债企业将会用更多的人民币兑换美元，债务危机加重，如果没有合理的盈利，多数企业都会倒闭，这也是债务危机之一，其实投资、贸易也是类似，都与汇率挂钩。导致的结果：我个人认为，国家的资金来源大多数都是税收之类的，如果税收等不能够弥补众多缺口，那么国家能够做的就是让央行发行货币，自然的，如果货币多了，物价就上去，导致通货膨胀，有钱的越来越有钱，贫穷的越来越贫穷，贫富差距拉大，差距太大自然战争就起来了，这是最坏的结果

用心回答的问题，如果还行，请把奖励给我吧，谢谢

用心回答的问题，如果还行，请把奖励给我吧，谢谢