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When most labor was agricultural, people generally toiled in the fields unti

游客2024-09-27  25
问题     When most labor was agricultural, people generally toiled in the fields until they dropped. The idea of formal retirement did not become feasible until work moved from farms to factories. In 1889 Otto von Bismarck famously introduced the world’s first pension scheme in Germany. In the 20th century, when universal suffrage became widespread, a period of retirement after work was seen as a mark of a civilized social democracy.
    After the second world war pension provision increased markedly, but the number of elderly people was still quite small. In the 1970s and 1980s caring for them seemed easily affordable. Many countries even reduced their retirement ages.
    The demographic picture looks different now that the baby-boomers are starting to retire. Europe and Japan are facing the biggest problems. The average dependency ratio in the European Union is already down to 3.5, and is heading for 1. 8 by 2050. Japan is on track for a startling 1.2. Since the average pensioner currently draws a total of about 60% of median earnings, from government and private sources, the system is likely to become unaffordable.
    There are ways of reducing the burden. The current generation of workers could save more now. If they put more money into funded pension schemes, the extra saving might encourage more investment and thus boost economic growth. A wealthier society would find it easier to afford paying pensions. Countries with PAYG schemes could raise taxes now, reducing the deficit and thus the debt burden on the younger generations.
    But more savings or higher taxation now would require those currently at work to defer consumption. They may not be willing to do so. And given the weakness of developed economies in the wake of the financial crisis, governments may not want to see consumption go down in the immediate future.
    In the OECD public spending on pensions benefits has been growing faster than national output, rising from 6. 1% of GDP in 1990 to 7% in 2007. It is forecast to reach 11.4% of GDP by 2050. Those forecasts already take into account the planned rise in retirement ages and a likely drop in replacement ratios and thus assume that voters will approve of pension reform even as the baby-boomers become a potentially powerful voting block of retired people.
    But that assumption may not be safe. Turnout in elections tends to be higher among the elderly than among the young. As Neil Howe and Richard Jackson of the Centre for Strategic and International Studies in Washington, DC, have written: " In the 2020s young people in developed countries will have the future on their side. Elders will have the votes on theirs. [br] It can be inferred from the first paragraph that
选项 A、civilized social democracy calls for good pension schemes.
B、farmers were deprived of pension due to discrimination.
C、pension scheme began to prevail in the 20th century.
D、Otto von Bismarck borrowed others’ ideas in his pension scheme.
答案 C
解析 推断题。直接定位至首段，末句指出“In the 20th century，when universal suffrage became widespread，aperiod of retirement after work was seen as a mark of a civilized social democracy．”，结合前一句的“1889年，俾斯麦首次在德国实施第一个养老金方案”可以判断，养老金制度从20世纪开始流行起来，故[C]为答案。[A]是针对首段末句设置的干扰项，但并非文明的社会民主就一定有好的养老金制度，[A]无法得出；[B]是对首段第二句的过度推断，虽然可以判断在工业革命之前，农民没有养老金，但未提及原因；文中没有提及Otto von Bismarck想法的来源，排除[D]。
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