随着中国平均寿命的不断增高，中国已经进入老龄化社会。对此，唐钧指出，不要把老年人多了看做是坏事，老年人群体中蕴含着巨大的消费商机。“因为老年人是一个主要的消费群体，他给我们提供了很多消费。现在的生产不是拼人多，而是拼劳动生产率。我们通常讲一个人养几个人，要跳出这个层次，从财政的角度来讲，从一个国家经济发展的角度来讲，是一个人本事有多大，他能挣多少钱。即使一个人养13亿人，只要他有本事也是可以的。所以我们要打开思路，把老年人看成是一个主要的消费群体，因为很多的需要，可以激活很多的市场，我们的经济在这方面就是很好的循环。”

With China's increasing of average life expectancy，China has entered into aging society。this，TangJun points out that，Don't put the old people much as a bad thing，The old groups containing enormous consumption business opportunities。“Because of old people is a major consumer groups，He offers us a lot of consumption。Now the production is not spell，But spell labor productivity。We usually speak a person kept several people，About to jump out at this level，From a financial perspective，From a national economic development perspective，Is a personal skill is，He can earn much money。Even if a person kept 1.3 billion people，As long as he is capable of can too。So we will have to open the train of thought，The old people as a major consumer groups，Because of a lot of need，Can activate many of the market，Our economy in this respect is the very good circulation。”

　　对于养老金问题的解决。唐钧和胡乃军都提出了建议。唐钧建议把企业年金和住房公积金合并起来，拿住房公积金这笔钱做企业年金。“过程中比如我要贷款，可以到企业年金去贷款，按揭还款，这个运作是比较稳定的，因为中国人买房自己住的，没有不还款的。反过来讲，虽然你一辈子都没有买房，到了退休的时候可以从企业年金方面拿到钱，这样这就成了普遍的制度。”唐钧说。胡乃军建议塑造整体的养老观念：“年轻人规划的时候更要体现不同阶段的需求，我们现在的福利制度太刚性了，没有考虑不同行业不同年龄职工的需求，年轻人20多岁就让我这么缴养老保险，而且有房的人还需要缴住房公积金，能不能给每个人留下一个弹性。在险种当中、企业年金当中、公积金当中可以调整一下，年轻时关注买房，多交企业年金和公积金，到老的时候多缴养老保险。”

Pension for the solution of the problem。TangJun and HuNaiJun are proposed。TangJun suggested that the enterprise annuity and housing accumulation fund combined，Take the money do housing accumulation fund enterprise annuity。“For example, I need loans in the process，Can the enterprise annuity to loans，repayment，The operation is more stable，Because the Chinese to buy a house of their lives，No reimbursement。conversely，Although you'll always be not buy a house，To retire from the enterprise annuity aspects can get the money，So this is the common system。”TangJun said。HuNaiJun Suggestions of whole endowment ideas shape：“Young people planning when more want to reflect the different stages of the demand，We now of the welfare system is too rigid，No consider different industry different age of worker needs，Young people more than 20 years old so let me pay endowment insurance，And there is room to capture housing accumulation fund，Can you give everyone leave a flexibility。In danger of、Enterprise annuity of、Accumulation fund can of adjusted，Young when attention to buy a house，Make enterprise annuity and accumulation fund，When old many capture endowment insurance。”