pension saving plan

基本解释

Multi-Pillar Old-age Security System; State Pension; Basic Pension; Occupational Pension; Voluntary Personal Saving Plan;
多支柱养老保障体系；普惠制养老金；基本养老金；职业年金；个人养老储蓄计划；
And the reason why they're saving so much money is because there's not a pension plan or a legitimate health care system.
中国人之所以爱存钱，是因为还没有健全的养老制度和医疗保险制度。所以，人们都把钱存起来，为了应对将来不时之需。
If employers tell their new employees that a pension saving plan is available, and even promise to match employees' contributions, a significant fraction of employees still will not participate.
如果雇主告诉他们的雇员说现在有一项养老金储蓄计划，甚至保证也交纳和雇员同样多的钱，很大一部分雇员依旧不会参加。