A.老人和中人養(yǎng)老金的隱性債務(wù)問(wèn)題B.農(nóng)民工的養(yǎng)老保險(xiǎn)問(wèn)題C.風(fēng)險(xiǎn)對(duì)稱問(wèn)題D.發(fā)展緩慢的企業(yè)年金制度