本文在一般均衡模型框架内,运用OLG模型全面评估降低缴费率和延迟退休带来的经济影响,并从社会福利最大化的角度估计中国不同养老保险缴费率和不同就业人口增长率下的最优退休年龄。结果显示:降低企业缴费率比降低个人缴费率更具有优势;延迟退休政策需要结合降低缴费率的政策共同实施;就业人口增长率上升会提高最优退休年龄。因此,在制定退休年龄时要综合考虑不同缴费率水平和就业人口增长率。 In the framework of the general equilibrium model, this paper uses the OLG model to comprehensively evaluate the economic impact of reducing the contribution rate and postponing retirement, and estimates the optimality under different pension insurance contribution rates and different employment growth rates from the perspective of maximizing social welfare retirement age. The result shows that it is more advantageous to reduce the contribution rate of enterprises than to reduce the individual contribution rate. The delay of retirement policy needs to be implemented in combination with the policy of reducing the contribution rate. The increase of the employment population will increase the optimal retirement age. Therefore, when setting the retirement age, we should consider different levels of contribution rates and the growth rate of employed population.