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延迟退休年龄政策的目标选择应有利于扩大经济活动人口的规模和实现参保者养老金权益的最大化。西方国家延迟退休年龄政策的关键是建立起一种延迟退休年龄与养老金制度其他核心要素之间的内在关联机制,而非单一的延迟退休年龄政策。延迟退休年龄政策的核心机制是建立起工龄、养老金缴费资格年限、缴费率、法定领取养老金资格年龄与养老金替代率之间的强制关联机制。
The target of delaying the retirement age policy should be conducive to expanding the size of the economically active population and maximizing the rights and benefits of the pensioners. The key to the postponement of retirement age policy in Western countries is to establish an inherent mechanism that delays the retirement age from the other core elements of the pension system rather than a single policy that delays the retirement age. The core mechanism for delaying the retirement age policy is to set up a mandatory connection mechanism between the length of service, the qualifications of the pension payment, the contribution rate, the eligible age for obtaining the pension and the pension replacement rate.