Research On The Impact Of Delayed Retirement On Economic Growth And Optimization Of Pension Insurance Payment Rat

As the population ages,the adverse effects on economic growth and social security are gradually emerging.In response to the growing aging problem,the government has proposed measures such as delaying retirement.However,the impact of delaying retirement on the economy has yet to be studied in depth;meanwhile,how to reform the pension system to adapt to the economic development and protect people’s livelihood,and how to adjust the contribution rate,which is an important part of the pension system,has become an important issue that the policy-making department must face.By constructing a general equilibrium overlapping generations model with a "combined account" system and introducing longevity effect,population growth and delayed retirement according to the characteristics of population aging,this paper comprehensively examines the economic impact of the interaction of multiple variables and explores the adjustment of pension contribution rates with changes in the social welfare maximization perspective.The results show that the longevity effect,population growth,and delayed retirement are the most important factors.The results show that: the longevity effect,population growth and delayed retirement have a balanced impact on the economy,while increasing the individual contribution rate has a positive impact on most economic variables and increasing the corporate contribution rate has a negative impact on most economic variables;as the longevity effect,population growth and delayed retirement increase,the optimal individual contribution rate should be adjusted downward,while the optimal corporate contribution rate should be adjusted upward;it is also found that the longevity effect,population growth and The impact of longevity effect,population growth and delayed retirement on individual contribution rates is found to be greater than the impact on corporate contribution rates.Delayed retirement does not affect both individual and firm contribution rates to the same extent as the longevity effect and population growth.Compared with the existing literature,the marginal contributions or innovations of this paper are: first,this paper constructs a general overlapping generations model that includes the "combined system" and examines the economic impact of increasing longevity,population growth,delayed retirement,and pension contribution rates;second,from the perspective of social welfare maximization,this paper examines the adjustment of individual and corporate contribution rates in the "combined" pension system in response to changes in longevity,population growth,and delayed retirement.To a certain extent,the study reveals the comprehensive mechanism,transmission mechanism and effect of population aging,population growth,delayed retirement and pension contribution rate on economic growth,which enriches the theoretical research on the development of pension system;at the same time,it helps policy departments to formulate relevant policy measures and optimize pension contribution rate in a more targeted manner for the aging problem,and provides reference for the government’s precise policy implementation.