2. 外语
  3. Present pension structures no longer work. They were established in a more youthful period with relatively few older people who

Present pension structures no longer work. They were established in a more youthful period with relatively few older people who

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问题     Present pension structures no longer work. They were established in a more youthful period with relatively few older people who were often poor and iii, and generally spent only a short time in retirement. In rich countries today, older people are often well-off and in good health, and are spending around 20 years in retirement. Therefore there is the need for reform.
    This survey has presented the arguments for more private funding and for fairer pensions. Such changes will create motives for individuals to take charge of their own retirement needs rather than leaving the task to the state. This, in turn, will make the provision of public pensions more afford- able.
    Even so, the state will continue to play a leading role in pensions. At a minimum, governments must offer a safety net, probably in the form of a defined benefit financed through taxation, for people who for some reason have not been able to provide for themselves and who would otherwise be miserable in old age. More broadly, there is a case for the state to offer a slimmed-down pay-as-you-go pension system, although as far as possible this should be organized along defined-contributions lines. Such provision widens the range of assets to include human capital because the effective return comes from total wages, and offers a safe if low return.
    Governments also have to create a suitable framework for effective private pensions. Administrative(行政的)expenses have to be tightly controlled, and appropriate tax motives have
to be offered to encourage voluntary pension saving. Where the state provides a generous safety net, private-pension saving may have to be made mandatory(强制的) , otherwise many people will not bother.
    So much for the developed countries, but what of the more youthful populations of tile rest of the world? In 1994, the World Bank came down heavily in favor of more funding in private accounts. It thought the state’s role should be to provide a smallish first pillar with the limited task of providing protection against old-age poverty, and to command a privately-funded second pillar to provide the bulk of pensions.  
According to the World Bank, we can learn that______.
选项 A、the state should provide the majority of pensions
B、the state should provide more protection against old-age poverty
C、the role that the state plays in pensions is small
D、private funding should provide the majority of pensions
答案D
解析 事实细节题。文章最后一句话提到“... command a privately-funded second pillar to provide the bulk of pensions．”由此可知，私人的养老基金作为养老金体制第二位的支撑，提供大部分养老金。
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