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Old 04-19-2011, 12:33 PM   #1
hellokety23
 
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Default 北师大教授称存款千万元未必够在一线城市养老

  本报讯 (记者 陆建銮)日前,北师大金融研究中心一教授在《英才》杂志发表文章,称一线大城市的居民,2027年退休的话 ,预备1000万元养老恐怕也不够。

  “1000万元养老还不够”的言论被多家网站转载后,引起网友热议。

  北师大一金融教授称,目前中国的统计数字表明,男女在退休后的生存年限分别是17年、24年。考虑到人 均预期寿命可能进一步延长,大多数人可能会认为,为退休后的生活积攒存活25年的钱财是必要的。他引用分析 了已经统计出来1987年和2007年的对比数据,介绍了目前情况下退休需要多少钱,monster beats by dr. dre headphones studio

  “如果居民是在2007年退休,以居民消费水平而言,1987年为565元,到2007年为7031元 。那么城镇居民25年的消费大约需要30万元。以城镇单位就业人员劳动报酬来看,职工平均工资在1987年 为1459元,到2007年已是24932元;城镇家庭人均可支配收入在1987年为1002元,到200 7年已是13785元,按20年工资计算大约需要27.5万元~50万元。如果对目前中国城镇居民进行抽样 调查,绝大多数人可能会认为积攒下接近100万元,就足以在退休后安享晚年。”

  文章还分析,如果中国的经济增长、居民货币收入增长以及官方的发钞节奏都没有根本改变,在2027年退 休的职工,则需要一笔约为300万~500万元的积蓄,才能度过余生。文章进而提出“但这只是城镇人口的大 致水准,类似京、沪、深这样的一线城市,预备1000万元养老也未必够”。

  有人惊跳 一辈子也存不够一千万

  陈小姐在一个涉外企业工作三年,她昨日在网上看到相关专家言论后,着实吃了一惊。“以我个人的状况来看 ,恐怕一辈子也难存上1000万元,老了可怎么办?”陈小姐说,她现在一年工资大约在10万元左右,加上其 他各项收入,年总收入约为12万元,“我们这一行,往上晋升后工资也涨得不多的,如果12万元乘以20年, 就是240万元,而且还是一分不花才能存这么多,即使这样,离1000万元还有相当大的距离。 ”

  陈小姐称,自己在白领里头的收入算是中等,如果专家的观点无误,那大部分白领恐怕也难存到这笔钱养老。 “看来以后我还是做回‘月光族’省心,反正都存不到,还不如每天过得开心点。”

  有人拍砖 今后的变化怕谁也说不清

  专家的大胆观点,总免不了被网友“拍砖”。凤凰网江苏省无锡市网友maxsilence:“1000万 元难道就埋在床底下不动?现在理财满天飞啊?就算买1000万元5年期的国债也够花的了。”来自深圳的网友 yanchenyu则补充道,按这个专家的观点,20年前买10万元国债好像够过一辈子了。

  天涯也有网友称,专家的观点有点危言耸听,“20年后经济怎样变化恐怕谁也难说清楚,专家假定经济增长 速度20年后不变,本身就有问题。20年前的专家恐怕也没有预料到我们今天的经济发展水平,那么同样,我们 预测20年后的经济及养老,认为1000万元不够,是否有点杞人忧天?”
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Old 04-19-2011, 01:40 PM   #2
nykefjo
 
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Old 04-19-2011, 03:13 PM   #3
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