Since the 80s of the 20 century, the system of the endowment insurance has got the foundamental change in the Latin America and some western countries .

• 20世纪80年代以来,拉美以及西方一些国家的养老保险制度发生了根本性的变革,其变革的总趋势就是对养老保险进行私有化改革。