However, there are still some difficulties and problems unsolved in Chilean pension system, such as the low coverage of pension plan, high management cost, pension income gap, the fiscal burden and so on.

• 同时,智利模式面临的问题也是突出的:表现在参保率差,养老金收入分配差距扩大,针对低收入群体的财政支出负担加重以及投资方面存在的成本负担过重、市场监管过度等方面的问题上,这些问题的产生既有私营养老金体制自身的原因,也有经济社会条件变化带来的影响因素。