2015年我国养老保险结余近4万亿元

 　　China's pension insurance balance of urban employees and urban and rural residents added up to four trillion, according to the Annual Report on Social Security Development 2015.

　　根据《中国社会保险发展年度报告2015》显示，全国城镇职工与城乡居民养老保险累计结余近4万亿元。

　　Issued by the Institute of Social Security Research, Ministry¹ of Human Resources and Social Security, the report shows that the return rate of enterprise employees' pension insurance fund reached 3.1 percent, the highest in seven years.

　　由人社部社会保险事业管理中心近日发布的这项报告显示，企业职工养老保险基金的收益率达到3.1%，创6年来新高。

　　The report also shows that despite the rising pension insurance balance since 2012, the payable² number of months fell to 17.7 months last year from 19.7 months in 2012.

　　报告还显示，2012年以来，企业养老保险累计结余虽不断扩大，但可支付月数由2012年的19.7个月下降至2015年的17.7个月。

　　2015年我国养老保险结余近4万亿元

　　More provinces are falling in situations where the pension fund cannot cover the expenditures³. As one of six provinces with the problem last year, Heilongjiang's enterprises pension can only pay up to one month.

　　养老保险基金收不抵支的省份正在增多。作为去年养老保险基金入不敷出的6个省份之一，黑龙江的企业养老保险可支付月数最多仅为1个月。

　　Yang Yansui, director of the School of Public Policy And Management at Tsinghua University, said the four-trillion-pension balance was mostly in personal accounts, while the pay-as-you-go pension system was greatly challenged by dependency ratio.

　　清华大学公共管理学院主任杨燕绥表示，这4万亿元养老金结余很多都在个人账户里面，现收现付的养老保险制度遇到了抚养比的挑战。

　　"When the actual dependency ratio of pension insurance gets down to three to one, the payment cannot be lower than 17 percent. If it drops to two to one ratio, it means that everyone is going to pay 25 percent. The financial burden gets heavier when the dependency ratio gets lower. The restructuring of pension system must be finalized⁴ in two years." Yang said.

　　杨燕绥主任说道：“养老保险实际抚养比到了3：1的时候，养老保险的费率就不能低于17%，如果降到2：1，每个人就得承担25%，抚养比越低，个人承担就越来越重。两年内必须解决养老金制度的转型。”

　　To make sure the plan goes through, the central government must reinforce the plan to co-ordinate basic pension, enhance enterprise annuity⁵ and manage personal accounts properly, Yang said.

　　杨燕绥说道，为确保该计划顺利进行，中央政府必须夯实统筹基础养老金，做大职业年金，管好个人账户。

1 ministry   

n.(政府的)部；牧师

参考例句：

• They sent a deputation to the ministry to complain.他们派了一个代表团到部里投诉。
• We probed the Air Ministry statements.我们调查了空军部的记录。

2 payable   

adj.可付的，应付的，有利益的

参考例句：

• This check is payable on demand.这是一张见票即付的支票。
• No tax is payable on these earnings.这些收入不须交税。

3 expenditures   

n.花费( expenditure的名词复数 )；使用；（尤指金钱的）支出额；（精力、时间、材料等的）耗费

参考例句：

• We have overspent.We'll have to let up our expenditures next month. 我们已经超支了，下个月一定得节约开支。 来自《简明英汉词典》
• The pension includes an allowance of fifty pounds for traffic expenditures. 年金中包括50镑交通费补贴。 来自《简明英汉词典》

4 finalized   

vt.完成（finalize的过去式与过去分词形式）

参考例句：

• The draft of this article has been finalized [done]. 这篇文章已经定稿。 来自《现代汉英综合大词典》
• The draft was revised several times before it was finalized. 稿子几经删改才定下来。 来自《现代汉英综合大词典》

5 annuity   

n.年金；养老金

参考例句：

• The personal contribution ratio is voluntary in the annuity program.企业年金中个人缴费比例是自愿的。
• He lives on his annuity after retirement.他退休后靠退休金维生。