中文摘要：

目前，中国法定退体年龄与最优退休年龄存在不同步的现象，所建最优退休年龄经济模型的结果表明人口死亡概率与最优退休年龄的动态经济规律。按照这个规律，中国目前应提高退休年龄。但通过对城镇职工的年龄预测及对其赡养率和缴费率的敏感性分析，笔者认为解决目前财政压力的关键是适当降低养老金替代率，而提高退休年龄应运步推行。

英文摘要：

Now, China＇s statutory retirement age and optimal short-term memory are not synchronized,which Resulted in the statutory retirement age is well below the optimal retirement age. The model reveals the optimal dynamic economic law of the probability of death and the retirement age. By the age of urban workers and their maintenance prediction rate and payment rate sensitivity analysis, we think the key and appropriate Solution to the current financial stress is to reduce the pension re placement rate and gradually raising the retirement age.