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全球养老产业报告：退休的再思考
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预期寿命的增长和生育率的下降使衰老的社会在全球许多国家成为现实。迄今为止，在发达国家中主要是一个问题，这也正在成为发展中国家的关注点。不幸的是，政策制定者正越来越多地反对改革养老金制度。因此，许多国家推迟了为解决这一迫在眉睫的危机而需要进行的调整的辩论。但是，辩论延迟的时间越长，扭转推迟的负面后果就越困难。我们的社会需要重新考虑退休问题。我们应该重新考虑教育，工作寿命和退休这三个阶段的生命周期的传统概念，并逐步为新的工作形式（例如，兼职或临时工作）和继续教育提供准备，以简化向更长寿的过渡。
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全球养老产业报告：退休的再思考 Retirement has become an integral part of our life biography： after education and years of work comes well-deserved rest. Many people tend to take this rigid three-stage structure of life for granted， as if it had been in the nature of every human being for a long time. What is often forgotten， however， is that the concept of retirement as a formally defined end of working life only came into being in the 19th century， when the first forms of financial support for the elderly， funded by the state， were introduced. Until then， lifelong work had been a reality for many generations. Today， increased life expectancies mean that we can remain active for longer and that the rising imbalance between retirement and working life will be a problem for an increasing number of people and economies in the long term. In turn， the transition to more flexible working models means that rigid employment careers are no longer necessarily the rule. In other words， 21st century lifespans and changes in how we learn and work are creating the space for even more life stages to emerge. To maximize the advantages of a longer life， both education and traditional career paths need to be reconsidered. Retirement systems need to be sustainable and respond to the needs of a changing society. To disarm the demographic "time bomb" and unlock the longevity dividend， we need to rethink retirement. We hope that our findings will prove valuable and I wish you a most insightful read. 【更多详情，请下载：全球养老产业报告：退休的再思考】
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