中国的银发浪潮悄然迅速推进。据统计,60岁以上的老人每年以3％的速度增加;退休人数年增长6．64％。中国的老龄化危机比西方任何国家更为严峻。据测算,2002年以来,我国养老金当期缺口每年一直徘徊在500至600亿元人民币,而 China’s silver hair wave quietly and rapidly advancing. According to statistics, the number of seniors aged over 60 increases at a rate of 3% per annum; the number of retirees has increased by 6.64% over the years. The aging crisis in China is even more severe than any other country in the west. It has been estimated that since 2002, the current gap in pension has been hovering between 50 and 60 billion yuan every year.