{
  "schema_version": "1.1.0",
  "title": "中国大陆退休测算证据库",
  "retrieved_date": "2026-10-24",
  "provenance_note": "保存原始来源网址、发布与数据时期、核验摘录和结构化数值。snapshots为核验事实摘录，不冒充完整网页镜像。浏览工具可读网页；本地直接网络下载遇到DNS限制，因此未保存完整原始HTML。SHA-256仅用于检验本地文件是否变化，不表示发行机构签名。",
  "sources": [
    {
      "id": "CN-RET-2024",
      "url": "https://legalinfo.moj.gov.cn/pub/sfbzhfx/zhfxfzzx/fzzxyw/202409/t20240913_506025.html",
      "title": "全国人民代表大会常务委员会关于实施渐进式延迟法定退休年龄的决定及国务院办法",
      "publisher": "全国人大常委会／国务院；司法部智慧普法平台转载新华社",
      "published_date": "2024-09-13",
      "data_reference_period": "2025-01-01起实施，2025–2039渐进调整",
      "units": "周岁、月、缴费年数",
      "scope": "中国大陆普通职工",
      "key_facts": [
        "男60→63、原55女55→58、原50女50→55，按出生年月渐进调整。",
        "男及原55女每4个月延迟1月；原50女每2个月延迟1月。",
        "2030年起领取职工基本养老金最低缴费年限每年增加6月，2039年达到20年。"
      ],
      "model_use": "普通职工法定退休月份与最低缴费门槛。",
      "limitations": [
        "国家另有规定从其规定，女性适用类别不能仅按性别判断。",
        "法定退休时点不等于财务独立时点。"
      ],
      "retrieval_method": "web.open",
      "retrieved_date": "2026-10-24",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/CN-RET-2024.json"
    },
    {
      "id": "CN-RET-TABLES",
      "url": "https://www.guide.gov.cn/zwgk/fdzdgknr/flfg/gjfg/content_400014140",
      "title": "渐进式延迟法定退休年龄决定：附件1–4文字对照表",
      "publisher": "贵德县人民政府，来源国家法律法规数据库",
      "published_date": "2025-01-01",
      "data_reference_period": "决定2024-09-13通过，2025-01-01起实施",
      "units": "出生年月、退休年月、月",
      "scope": "中国大陆普通职工",
      "key_facts": [
        "男1965-01→2025-02（60岁1月），1976-09→2039-09（63岁）。",
        "原55女1970-01→2025-02（55岁1月），1981-09→2039-09（58岁）。",
        "原50女1975-01→2025-02（50岁1月），1984-11→2039-11（55岁）。",
        "缴费年限2029为15年、2030为15年6月、2031为16年、2039为20年。"
      ],
      "model_use": "用于核对按出生月份计算的边界及缴费年限表。",
      "limitations": [
        "页面另有生效日期元数据2025-07-31，与决定正文不一致；使用正文2025-01-01，不采用网页错配元数据。"
      ],
      "retrieval_method": "web.open",
      "retrieved_date": "2026-10-24",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/CN-RET-TABLES.json"
    },
    {
      "id": "CN-FLEX-2024",
      "url": "https://www.mohrss.gov.cn/wap/zc/zcwj/202501/t20250101_533701.html",
      "title": "人社部发〔2024〕94号：实施弹性退休制度暂行办法",
      "publisher": "人力资源社会保障部、中共中央组织部、财政部",
      "published_date": "2024-12-31",
      "page_published_date": "2025-01-01",
      "data_reference_period": "2025-01-01起",
      "units": "月、年",
      "scope": "符合适用条件的中国大陆职工",
      "key_facts": [
        "弹性提前最多3年且不低于原法定年龄；须满足所选退休年份对应最低缴费年限。",
        "弹性延迟须协商一致，最多3年；最低缴费年限按本人法定退休年龄对应年份。",
        "审核通过退休时间的次月开始领基本养老金。"
      ],
      "model_use": "养老金起领月和弹性退休边界，分开经济延后工作与法定弹性延期。",
      "limitations": [
        "特殊干部管理、已退休人员等另有边界；不能模拟为自动审批或无限延期。"
      ],
      "retrieval_method": "web.search official indexed full text",
      "retrieved_date": "2026-10-24",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/CN-FLEX-2024.json"
    },
    {
      "id": "CN-E0-2025",
      "url": "https://www.nhc.gov.cn/wjw/mtbd/202603/5dbc449df3014d939ec74c6aab30c8ae.shtml",
      "title": "国家卫生健康委主任：2025年中国人均预期寿命达79.25岁",
      "publisher": "国家卫生健康委员会转载新华社，雷海潮发布",
      "published_date": "2026-03-07",
      "data_reference_period": "2025",
      "units": "岁",
      "scope": "中国全国人口，出生时预期寿命",
      "key_facts": [
        "2025年79.25岁；较2020年增加1.32岁。"
      ],
      "model_use": "展示国内最新已核验总体寿命背景。",
      "limitations": [
        "不是平均死亡年龄，不是当前年龄者的剩余寿命。",
        "不能把79.25减去当前年龄当作退休资金必须覆盖年数。",
        "页面直接抓取412，事实通过卫健委官方搜索索引核验。"
      ],
      "retrieval_method": "web.search official source; direct web.open returned 412",
      "retrieved_date": "2026-10-24",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/CN-E0-2025.json"
    },
    {
      "id": "WHO-LE-DEFINITION",
      "url": "https://www.who.int/data/gho/data/indicators/indicator-details/GHO/life-expectancy",
      "title": "WHO GHO Life expectancy indicator metadata",
      "publisher": "World Health Organization",
      "published_date": null,
      "data_reference_period": "页面方法文字对应1990–2021估计",
      "units": "年",
      "scope": "国家或地区，按年龄与性别",
      "key_facts": [
        "某年龄余寿依据该时期年龄/性别死亡率的生命表计算。",
        "出生时预期寿命与60岁预期余寿是不同指标。",
        "WHO估计与成员国官方统计可因方法不同而不同。"
      ],
      "model_use": "定义口径，避免混淆出生寿命、剩余寿命及个人预测。",
      "limitations": [
        "元数据方法年份不能当成最新数据发布年份。",
        "没有从该页面获得中国年龄别数值。"
      ],
      "retrieval_method": "web.open",
      "retrieved_date": "2026-10-24",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/WHO-LE-DEFINITION.json"
    },
    {
      "id": "WHO-GHE-VINTAGE",
      "url": "https://www.who.int/data/gho/data/themes/mortality-and-global-health-estimates/ghe-life-expectancy-and-healthy-life-expectancy",
      "title": "WHO Global Health Estimates: life expectancy and life tables",
      "publisher": "World Health Organization",
      "published_date": null,
      "data_reference_period": "当前页面方法资料2000–2023",
      "units": "年、年龄别生命表指标",
      "scope": "WHO国家估计",
      "key_facts": [
        "页面列出2000–2023生命表方法及ex指标入口。",
        "中国LIFE_0000000035原始API与Athena接口在本次环境未能取得。"
      ],
      "model_use": "列出未来可复核的官方数据渠道；本版不从不可访问接口生成数字。",
      "limitations": [
        "目前仅验证来源与版本说明，不把旧2021接口版本混称2023。"
      ],
      "retrieval_method": "web.open",
      "retrieved_date": "2026-10-24",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/WHO-GHE-VINTAGE.json"
    },
    {
      "id": "CN-LIFE-STUDY-2023",
      "url": "https://journal.healthpolicy.cn/html/20230202.htm",
      "title": "我国老年人口健康预期寿命变动分析——基于人口普查数据的实证研究",
      "publisher": "《中国卫生政策研究》；刘晨、王琼、吴炳义、刘军（潍坊医学院管理学院）",
      "published_date": "2023-02",
      "data_reference_period": "2010、2020全国第六及第七次人口普查；本模型仅取2020 LE列",
      "units": "平均剩余寿命，年",
      "scope": "中国全国60岁及以上，分男/女，五岁年龄组，90+开放组",
      "key_facts": [
        "表2：2020年60–64组LE男20.24、女24.23。",
        "完整7个年龄组14个LE数值保存在model-data.json；不将HLE误当总寿命。",
        "方法1.2采用联合国西区模型生命表调整普查死亡率并形成简略生命表。"
      ],
      "model_use": "退休阶段按性别平均余寿参考；年轻人采用60岁起点参考，不能称其当前年龄的个人预期寿命。",
      "limitations": [
        "是有出处的作者研究估计，不是国家统计局直接发布的分年龄寿命表。",
        "2020数据不是2025现值；没有未来队列改善预测。",
        "年龄组起点解释来自简略生命表口径与文内起点表述，未获逐岁ex、完整lx或寿命分位数。",
        "90+不能外推，均值不等于资金安全分位。"
      ],
      "retrieval_method": "web.search publisher indexed full text and Table2; direct web.open timeout",
      "bibliographic_url": "https://journal.healthpolicy.cn/ch/reader/view_abstract.aspx?file_no=20230202",
      "doi": "10.3969/j.issn.1674-2982.2023.02.002",
      "retrieved_date": "2026-10-24",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/CN-LIFE-STUDY-2023.json"
    },
    {
      "id": "CN-CPI-2021",
      "url": "https://www.stats.gov.cn/xxgk/sjfb/zxfb2020/202201/t20220112_1826190.html",
      "title": "2021年12月份居民消费价格主要数据（含全年）",
      "publisher": "国家统计局",
      "published_date": "2022-01-12",
      "data_reference_period": "2021全年",
      "units": "同比百分比",
      "scope": "中国全国居民消费价格",
      "key_facts": [
        "2021年全年CPI比上年上涨0.9%。"
      ],
      "model_use": "国内历史通胀参考序列。",
      "limitations": [
        "不是未来收益/通胀预测；家庭消费篮子与全国CPI不同。"
      ],
      "retrieval_method": "web.search",
      "retrieved_date": "2026-10-24",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/CN-CPI-2021.json"
    },
    {
      "id": "CN-CPI-2022",
      "url": "https://www.stats.gov.cn/sj/zxfb/202302/t20230228_1919011.html",
      "title": "中华人民共和国2022年国民经济和社会发展统计公报",
      "publisher": "国家统计局",
      "published_date": "2023-02-28",
      "data_reference_period": "2022全年",
      "units": "同比百分比",
      "scope": "中国全国居民消费价格",
      "key_facts": [
        "2022年全年CPI比上年上涨2.0%。"
      ],
      "model_use": "国内历史通胀参考序列。",
      "limitations": [
        "单一年份不能外推几十年。"
      ],
      "retrieval_method": "web.search",
      "retrieved_date": "2026-10-24",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/CN-CPI-2022.json"
    },
    {
      "id": "CN-CPI-2023",
      "url": "https://www.stats.gov.cn/sj/zxfb/202402/t20240228_1947915.html",
      "title": "中华人民共和国2023年国民经济和社会发展统计公报",
      "publisher": "国家统计局",
      "published_date": "2024-02-28",
      "data_reference_period": "2023全年",
      "units": "同比百分比",
      "scope": "中国全国居民消费价格",
      "key_facts": [
        "2023年全国CPI比上年上涨0.2%，医疗保健上涨1.1%。"
      ],
      "model_use": "国内历史通胀参考；说明不同开支分类涨幅可能不同。",
      "limitations": [
        "家庭医疗支出额还受就医数量及保障情况影响，不能只以医疗CPI推算。"
      ],
      "retrieval_method": "web.search",
      "retrieved_date": "2026-10-24",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/CN-CPI-2023.json"
    },
    {
      "id": "CN-CPI-2024",
      "url": "https://www.stats.gov.cn/sj/zxfb/202501/t20250109_1958170.html",
      "title": "2024年12月份居民消费价格同比上涨0.1%",
      "publisher": "国家统计局",
      "published_date": "2025-01-09",
      "data_reference_period": "2024全年及12月；本模型用全年",
      "units": "同比百分比",
      "scope": "中国全国居民消费价格",
      "key_facts": [
        "2024年全年CPI比上年上涨0.2%。"
      ],
      "model_use": "国内历史通胀参考；避免混用12月同比与全年均值。",
      "limitations": [
        "未来通胀参数须单列为假设。"
      ],
      "retrieval_method": "web.search",
      "retrieved_date": "2026-10-24",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/CN-CPI-2024.json"
    },
    {
      "id": "CN-CPI-2025",
      "url": "https://www.stats.gov.cn/sj/zxfb/202602/t20260228_1962662.html",
      "title": "中华人民共和国2025年国民经济和社会发展统计公报",
      "publisher": "国家统计局",
      "published_date": "2026-02-28",
      "data_reference_period": "2025全年",
      "units": "同比百分比",
      "scope": "中国全国居民消费价格",
      "key_facts": [
        "2025年全国CPI与上年持平（0.0%）；医疗保健上涨0.8%。"
      ],
      "model_use": "最近完整年度通胀参考。",
      "limitations": [
        "不能因此把未来几十年通胀固定为0%；使用该值只代表情景选择。"
      ],
      "retrieval_method": "web.search",
      "retrieved_date": "2026-10-24",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/CN-CPI-2025.json"
    },
    {
      "id": "CN-MEDICAL-2024",
      "url": "https://www.nhsa.gov.cn/art/2024/9/30/art_14_14051.html",
      "title": "我该参加哪种类型的医保？（下）",
      "publisher": "国家医疗保障局",
      "published_date": "2024-09-30",
      "data_reference_period": "发布时政策解释",
      "units": "缴费年限，年",
      "scope": "中国大陆职工基本医保；具体条件按地区",
      "key_facts": [
        "享受职工医保退休待遇需要满足当地最低缴费年限等条件。"
      ],
      "model_use": "提前停工后的医保支出与资格单独核验，不因达到养老领取条件自动置零。",
      "limitations": [
        "本库未取得用户参保地和医保记录，不能自动确定其医保退休资格。"
      ],
      "retrieval_method": "web.search",
      "retrieved_date": "2026-10-24",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/CN-MEDICAL-2024.json"
    },
    {
      "id": "CN-RESIDENT-PENSION-2014",
      "url": "https://fgw.sh.gov.cn/ys-laogong-2.3.1.1/20240125/da420fa9e19a4e6aade5df9dac375978.html",
      "title": "国务院关于建立统一的城乡居民基本养老保险制度的意见",
      "publisher": "国务院，上海市发展和改革委员会转载",
      "published_date": "2014-02-21",
      "page_published_date": "2024-01-25",
      "data_reference_period": "2014制度文件，需结合当前地方细则",
      "units": "周岁、缴费年限",
      "scope": "中国大陆城乡居民基本养老保险",
      "key_facts": [
        "城乡居民养老保险与职工养老保险不同，通常按60岁、累计缴费15年等领取条件及过渡安排办理。"
      ],
      "model_use": "提示该身份不能直接套用普通职工男63女55/58模型。",
      "limitations": [
        "存在制度实施时过渡规则；领取资格及金额按参保地核定。"
      ],
      "retrieval_method": "web.search",
      "retrieved_date": "2026-10-24",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/CN-RESIDENT-PENSION-2014.json"
    },
    {
      "id": "CN-RETURN-CAUTION-2020",
      "url": "https://neris.csrc.gov.cn/falvfagui/rdqsHeader/mainbody?navbarId=2&secFutrsLawId=3d6409a41215455baa9cf3deddf26546",
      "title": "公开募集证券投资基金宣传推介材料管理暂行规定",
      "publisher": "中国证券监督管理委员会",
      "published_date": "2020-08-28",
      "data_reference_period": "2020-10-01起施行，法规库显示现行有效",
      "units": "原则性规定，无收益率数值",
      "scope": "公募基金宣传推介",
      "key_facts": [
        "过往业绩不能预示未来表现，不得以明示、暗示等方式承诺未来收益。"
      ],
      "model_use": "收益率作为用户假设及压力范围，不能标为官方支持的保证收益。",
      "limitations": [
        "该规则不是用于估计未来收益的算法，不能推导任何年化回报参数。"
      ],
      "retrieval_method": "web.search full-text index; web.open metadata",
      "retrieved_date": "2026-10-24",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/CN-RETURN-CAUTION-2020.json"
    },
    {
      "id": "SZ-FORMULA",
      "url": "https://www.sz.gov.cn/zfgb/2022/gb1253/content/post_10008776.html",
      "title": "深圳市人民政府关于印发规范企业职工基本养老保险省级统筹若干问题处理办法的通知",
      "publisher": "深圳市人民政府",
      "published_date": "2022-08-08",
      "effective_date": "2022-08-05",
      "document_number": "深府规〔2022〕4号",
      "data_reference_period": "2022起实施，文内另列2021—2026过渡政策",
      "scope": "深圳企业职工基本养老保险",
      "key_facts": [
        "(B + B*I) / 2 * Y * 0.01",
        "退休时深圳企业职工基本养老金计发基数",
        "全部缴费月份的官方缴费指数之和/全部缴费月数",
        "实际缴费和经核定视同缴费年限",
        "退休时个人账户积累额/国家规定的计发月数",
        "计发基数过渡完成前同时计算深圳及广东省办法、就高发放；过渡完成后统一广东办法",
        "2025及以后首次领取者不再享受调节金",
        "1998年6月30日前参保或具有视同缴费权益者需另计；2026及以后首次领取统一按新过渡性养老金办法"
      ],
      "limitations": [
        "单一简化式不等于完整官方核定。",
        "历史视同缴费、地方补充、跨地区转移及广东省对比未核定时不能声称精确到账金额。",
        "需持续核查省市计发基数过渡是否完成。"
      ],
      "model_use": "作为深圳简化养老金计算口径及范围限制",
      "retrieved_date": "2026-10-24",
      "currency": "CNY",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/SZ-FORMULA.json"
    },
    {
      "id": "SZ-INDEX",
      "url": "https://www.sz.gov.cn/hdjlpt/detail?pid=2994084&via=pc",
      "title": "请问统计月平均缴费指数的时间口径—深圳人社回复",
      "publisher": "深圳市人力资源和社会保障局",
      "published_date": "2024-09-24",
      "data_reference_period": "2020年起",
      "scope": "深圳养老保险缴费指数",
      "key_facts": [
        "7月至次年6月",
        "上一年度广东省全口径平均工资"
      ],
      "limitations": [
        "政府个案问答，不能替代完整历史账户指数核定。",
        "不要把深圳养老金计发基数当作计算当前缴费指数的分母。"
      ],
      "model_use": "要求官方历史平均缴费指数或逐期省全口径工资输入",
      "retrieved_date": "2026-10-24",
      "currency": "CNY",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/SZ-INDEX.json"
    },
    {
      "id": "SZ-BASE-2025",
      "url": "https://hrss.sz.gov.cn/zmhd/cjwt/cjwt/shbz/content/post_12493488.html",
      "title": "深圳市2025年职工基本养老金计发基数是多少？",
      "publisher": "深圳市人力资源和社会保障局",
      "published_date": "2025-11-17",
      "data_reference_period": "2025-01-01/2025-12-31",
      "scope": "深圳企业职工养老；机关事业单位另按省同期",
      "key_facts": [
        "11293"
      ],
      "limitations": [
        "未核到2026年度正式计发基数，不得把11293标为2026已发布值。",
        "未来基数增长属于模型假设。"
      ],
      "model_use": "明确标注2025参考计发基数",
      "retrieved_date": "2026-10-24",
      "currency": "CNY",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/SZ-BASE-2025.json"
    },
    {
      "id": "SZ-MEDICAL-2026",
      "url": "https://hsa.sz.gov.cn/hdjl/ywzsk_1/ylbzdy/content/post_12828994.html",
      "title": "达到法定退休年龄的职工医保参保人，医保缴费年限需要符合什么条件，就可以停止缴费并继续享受职工医保待遇？",
      "publisher": "深圳市医疗保障局",
      "published_date": "2026-06-08",
      "data_reference_period": "2025及以后达到法定退休年龄",
      "scope": "深圳职工医保",
      "key_facts": [
        "25",
        "10",
        "AND",
        "false"
      ],
      "limitations": [
        "此2026深圳官方答复不分男女；不可套用其他地区男30女25。",
        "2025前达龄者另按原规定。",
        "提前停止工作不等于医保退休；需达到法定退休年龄及缴费年限。"
      ],
      "model_use": "医保退休资格判断",
      "retrieved_date": "2026-10-24",
      "currency": "CNY",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/SZ-MEDICAL-2026.json"
    },
    {
      "id": "SZ-MEDICAL-RATE",
      "url": "https://www.lg.gov.cn/bmzz/bljdb/wmfw/bmfw/content/post_12593144.html",
      "upstream_url": "https://hsa.sz.gov.cn/xwzx/tzgg/content/post_12567884.html",
      "title": "@缴费人，2026年医保缴费有变化",
      "publisher": "深圳市龙岗区宝龙街道办事处（转深圳市医保局通知）",
      "published_date": "2026-01-09",
      "data_reference_period": "2026-01-01/2026-12-31",
      "scope": "深圳职工医保及灵活就业人员",
      "key_facts": [
        "6727",
        "33633",
        "0.08",
        "538.16",
        "0.06"
      ],
      "limitations": [
        "538.16为6727×8%的算术结果。",
        "未来缴费基数、费率不是已知常量。",
        "参保资格应独立判断。"
      ],
      "model_use": "2026灵活就业医保支出参考",
      "retrieved_date": "2026-10-24",
      "currency": "CNY",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/SZ-MEDICAL-RATE.json"
    },
    {
      "id": "SZ-MEDICAL-SEPARATE",
      "url": "https://hsa.sz.gov.cn/gkmlpt/content/9/9985/mpost_9985603.html",
      "title": "非深户籍灵活就业人员参保政策",
      "publisher": "深圳市医疗保障局",
      "published_date": "2022-07-28",
      "data_reference_period": "自2022-05-10起",
      "scope": "未达法定退休年龄、在深圳灵活就业的非深圳户籍人员；港澳台另规定",
      "key_facts": [
        "true",
        "1",
        "true",
        "[\"无雇工个体工商户\",\"未由单位参保的非全日制从业人员\",\"未与平台建立劳动关系的新就业形态从业人员\",\"国家和广东省规定的其他灵活就业人员\"]"
      ],
      "limitations": [
        "此文旧缴费金额和旧附加费率不能用于2026。",
        "普通劳动关系职工不得以此当作任意退出法定养老缴费依据。",
        "单纯完全不就业且非深户，不应自动假定具备灵活就业参保资格。"
      ],
      "model_use": "40岁停养老、继续医保方案的资格说明",
      "retrieved_date": "2026-10-24",
      "currency": "CNY",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/SZ-MEDICAL-SEPARATE.json"
    },
    {
      "id": "SZ-MEDICAL-LOCAL",
      "url": "https://www.sz.gov.cn/hdjlpt/detail?pid=2489835",
      "title": "如何单独缴纳医疗保险—深圳医保局回复",
      "publisher": "深圳市医疗保障局",
      "published_date": "2022-12-15",
      "data_reference_period": "答复时政策",
      "scope": "深圳户籍灵活就业人员",
      "key_facts": [
        "true"
      ],
      "limitations": [
        "参保渠道随时间可能变化。"
      ],
      "model_use": "深圳户籍个人独立医保资格支持",
      "retrieved_date": "2026-10-24",
      "currency": "CNY",
      "snapshot_kind": "verified_extracted_facts",
      "snapshot_file": "snapshots/SZ-MEDICAL-LOCAL.json"
    },
    {
      "id": "SZ-RATES-2026",
      "title": "深圳灵活就业养老保险缴费指南",
      "publisher": "深圳市社会保险基金管理局",
      "published_date": "2026-08-27",
      "data_reference_period": "2026年公开指南",
      "url": "https://hrss.sz.gov.cn/szsi/sbjxxgk/gzdt/content/post_12956467.html",
      "key_facts": [
        "灵活就业养老非深户费率20%，深户21%。",
        "只有8%进入养老个人账户，其余不作为个人可随时支取资产。"
      ],
      "limitations": [
        "需具备灵活就业参保条件；未来费率不是已知常量。"
      ],
      "model_use": "自行续缴成本；单位在职工资已扣个人部分，不重复扣费。",
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/SZ-RATES-2026.json"
    },
    {
      "id": "SZ-EMPLOYEE",
      "title": "职工参加基本养老保险是法定义务",
      "publisher": "深圳市社会保险基金管理局",
      "published_date": "2024-02-27",
      "url": "https://hrss.sz.gov.cn/szsi/gzfw/ywzsk/rmwd/content/post_11169159.html",
      "key_facts": [
        "单位与职工在劳动关系存续期间应依法缴费，不能因已经达到最低年限而自行停缴。"
      ],
      "limitations": [
        "原文15年描述是发布当时规则；最低年限适用2024改革的新时间表。"
      ],
      "model_use": "阻止单位在职自行停缴方案。",
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/SZ-EMPLOYEE.json"
    },
    {
      "id": "CN-DIVISOR",
      "title": "养老金计发月数不是领取期限",
      "publisher": "上海市人力资源和社会保障局",
      "published_date": "2021-10-15",
      "url": "https://rsj.sh.gov.cn/trdhy_17355/20211015/t0035_1403121.html",
      "key_facts": [
        "个人账户养老金＝账户储存额÷国家规定的计发月数。",
        "60岁139，63岁117，58岁152，55岁170；领取资格满足后按规定终身发放。"
      ],
      "limitations": [
        "非整岁退休计发月数未核到深圳明文，页面要求填核定值。"
      ],
      "model_use": "整岁国家表查值，非整岁不插值。",
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/CN-DIVISOR.json"
    },
    {
      "id": "WHO-LIFE-2023",
      "title": "WHO中国2023分性别时期生命表：存活人数、死亡概率、余寿与剩余人年",
      "publisher": "World Health Organization / Global Health Observatory",
      "published_date": "2026-10-01（API记录更新时间）",
      "data_reference_period": "2023",
      "url": "https://www.who.int/data/gho/data/themes/mortality-and-global-health-estimates/ghe-life-expectancy-and-healthy-life-expectancy",
      "raw_data_urls": [
        "https://ghoapi.azureedge.net/api/LIFE_0000000031?$filter=SpatialDim%20eq%20%27CHN%27%20and%20TimeDim%20eq%202023",
        "https://ghoapi.azureedge.net/api/LIFE_0000000030?$filter=SpatialDim%20eq%20%27CHN%27%20and%20TimeDim%20eq%202023",
        "https://ghoapi.azureedge.net/api/LIFE_0000000035?$filter=SpatialDim%20eq%20%27CHN%27%20and%20TimeDim%20eq%202023",
        "https://ghoapi.azureedge.net/api/LIFE_0000000034?$filter=SpatialDim%20eq%20%27CHN%27%20and%20TimeDim%20eq%202023"
      ],
      "key_facts": [
        "使用lx条件生存概率，使用Tx估计不增长、不折现的完整余生领取期望。",
        "末组85+是开放组，按月折现的累计领取只算85岁前；未把85岁视为死亡。"
      ],
      "limitations": [
        "群体时期表，不预测个人命运或未来死亡率改善。",
        "年龄组间线性插值是模型数值近似。",
        "继承、丧葬、抚恤待遇未并入。"
      ],
      "model_use": "分性别寿命参考及养老金生存加权期望，原始API JSON已保存。",
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/WHO-LIFE-2023.json"
    },
    {
      "id": "GD-BASE-2026",
      "url": "https://guangdong.chinatax.gov.cn/gdsw/ssfggds/2026-10/08/content_b40dcb7bf605411fbb12e0f81281dc6b.shtml",
      "title": "关于公布2026年职工基本养老保险缴费基数上下限有关问题的通知",
      "publisher": "广东省人社厅、财政厅、税务局",
      "published_date": "2026-10-08",
      "data_reference_period": [
        "2026-01-01",
        "2026-07-01"
      ],
      "key_facts": [
        "2026年1月起企业养老下限5510；7月起下限5521、上限27603。官方全文搜索结果可读；直接打开两税务页面均超时，本地HTTP下载失败。未取得原始HTML/PDF，保留此检索状态。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [
        "官方网页直接访问未成功，已用官方搜索索引全文核验。"
      ],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/GD-BASE-2026.json"
    },
    {
      "id": "GD-BASE-2025",
      "url": "https://www.tid.gov.hk/en/tradecircular/files/2025/ci9372025a.pdf",
      "title": "关于公布2025年职工基本养老保险缴费基数上下限和基本养老金计发基数等有关问题的通知",
      "publisher": "广东省人社厅、财政厅、税务局（香港工贸署官方存档）",
      "published_date": null,
      "data_reference_period": "2025-07-01",
      "key_facts": [
        "2025年企业养老上限27549，深圳下限4775。2026新文件已追溯修订2026年下限，勿继续对当前年月套4775。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/GD-BASE-2025.json"
    },
    {
      "id": "SZ-SOCIAL-LAW-2021",
      "url": "https://www.szrd.gov.cn/v2/zx/szfg/content/post_966179.html",
      "title": "深圳经济特区社会养老保险条例（2021年修订）",
      "publisher": "深圳市人大常委会",
      "published_date": "2021-07-06",
      "data_reference_period": "2021-08-01",
      "key_facts": [
        "第十条确定职工基数与首月工资规则；第十四条最低申报基数随政策下限变化。个人8%记入账户；深圳户籍参加地方补充。原条例14%/22%以及最低工资下限已由后续政策调整，不能照旧套用。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/SZ-SOCIAL-LAW-2021.json"
    },
    {
      "id": "SZ-EMPLOYEE-FLEX-2026",
      "url": "https://hrss.sz.gov.cn/szsi/gzfw/ywzsk/sbgx/jbgn/content/post_12703216.html",
      "title": "灵活就业人员个人参保养老保险，和单位职工身份参保养老保险，两者之间有区别吗？",
      "publisher": "深圳市人社局",
      "published_date": "2026-03-26",
      "data_reference_period": "见原文",
      "key_facts": [
        "单位按实际工资，个人8%；灵活就业自愿，可上下限范围内选择，基本养老20%。待遇公式相同，费用承担主体不同。地方补充1%另见8月指南。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/SZ-EMPLOYEE-FLEX-2026.json"
    },
    {
      "id": "SZ-FLEX-RATES-2026",
      "url": "https://hrss.sz.gov.cn/szsi/sbjxxgk/gzdt/content/post_12956467.html",
      "title": "深圳灵活就业社保怎么交？养老、失业保险可自行缴纳，线上线下多渠道办理",
      "publisher": "深圳市社会保险基金管理局",
      "published_date": "2026-08-27",
      "data_reference_period": "见原文",
      "key_facts": [
        "灵活就业养老在现行下限至全省上年全口径工资300%之间选择；未达法定年龄、未在单位参保，非深户另需有效居住登记/居住证等条件；医保政策独立。不可不区分本人身份自动认定可参保。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/SZ-FLEX-RATES-2026.json"
    },
    {
      "id": "GD-EMPLOYER-RATE-2025",
      "url": "https://guangdong.chinatax.gov.cn/gdsw/zqsw_tzgg/2024-12/30/content_018b45af0f1947eb81918886a2d9dfd2.shtml",
      "title": "关于2025年企业职工基本养老保险费申报缴纳的通告",
      "publisher": "广东省税务局、深圳市税务局、广东省人社厅",
      "published_date": "2024-12-30",
      "data_reference_period": "2025-01-01",
      "key_facts": [
        "用人单位基本养老费率16%，单位部分不从个人到手收入重复扣除。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [
        "官方网页直接访问未成功，已用官方搜索索引全文核验。"
      ],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/GD-EMPLOYER-RATE-2025.json"
    },
    {
      "id": "SZ-SUPPLEMENT-2025",
      "url": "https://www.sz.gov.cn/hdjlpt/detail?pid=3072960",
      "title": "深圳户籍的单位养老缴费比例是多少呢？有没有政策文件（官方答复）",
      "publisher": "深圳市人社局",
      "published_date": "2025-01-14",
      "data_reference_period": "2025-01-01",
      "key_facts": [
        "深户职工单位基本养老16%，地方补充1%。单位深户合计17%，职工个人仍为8%。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [
        "官方网页直接访问未成功，已用官方搜索索引全文核验。"
      ],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/SZ-SUPPLEMENT-2025.json"
    },
    {
      "id": "SZ-PENSION-BASE-2025",
      "url": "https://hrss.sz.gov.cn/zmhd/cjwt/cjwt/shbz/content/post_12493488.html",
      "title": "深圳市2025年职工基本养老金计发基数是多少？",
      "publisher": "深圳市人社局",
      "published_date": "2025-11-17",
      "data_reference_period": "2025-01-01",
      "key_facts": [
        "这是2025企业养老金计发基数，既不是每月缴费工资下限，也不是社平工资/缴费指数分母。机关事业单位用省同期基数。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [
        "官方网页直接访问未成功，已用官方搜索索引全文核验。"
      ],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/SZ-PENSION-BASE-2025.json"
    },
    {
      "id": "CN-RETIREMENT-2024-REFRESH",
      "url": "https://www.mot.gov.cn/hudong/xiangguanziliao/202601/t20260114_4197321.html",
      "title": "全国人大常委会关于实施渐进式延迟法定退休年龄的决定及国务院办法",
      "publisher": "全国人大常委会、国务院（交通运输部官方转载）",
      "published_date": "2026-01-14",
      "data_reference_period": "2025-01-01",
      "key_facts": [
        "男60→63、女55→58每4个出生月加1月；女50→55每2个出生月加1月。2030起最低缴费年限每年加6个月，2039到20年；年限不足可按规定延缴或符合条件的一次性缴费。不能把一次性补缴当人人可用。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/CN-RETIREMENT-2024-REFRESH.json"
    },
    {
      "id": "CN-RETIREMENT-TABLES-REFRESH",
      "url": "https://www.guide.gov.cn/zwgk/fdzdgknr/flfg/gjfg/content_400014140",
      "title": "延迟法定退休年龄出生月对照表（决定附件）",
      "publisher": "全国人大常委会、国务院（贵德县政府转载）",
      "published_date": "2024-09-13",
      "data_reference_period": "2025-01-01",
      "key_facts": [
        "核对起点男1965-01为60岁1月、女55类1970-01为55岁1月、女50类1975-01为50岁1月。法定年龄应由出生月算，不应每过一年再无条件加延迟月数。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/CN-RETIREMENT-TABLES-REFRESH.json"
    },
    {
      "id": "CN-FLEXIBLE-2024-REFRESH",
      "url": "https://www.beijing.gov.cn/zhengce/zhengcefagui/qtwj/202509/t20250929_4213668.html",
      "title": "实施弹性退休制度暂行办法",
      "publisher": "人社部、中组部、财政部（北京市政府官方转载）",
      "published_date": "2024-12-31",
      "data_reference_period": "2025-01-01",
      "key_facts": [
        "第七条：弹性提前按所选退休年门槛；弹性延迟按法定退休年门槛。审核通过的退休时间次月领取。经济退休不能直接视为弹性提前退休。单位延迟最多3年，须协商。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [
        "官方网页直接访问未成功，已用官方搜索索引全文核验。"
      ],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/CN-FLEXIBLE-2024-REFRESH.json"
    },
    {
      "id": "SZ-DEFERRED-CONTRIBUTION",
      "url": "https://hrss.sz.gov.cn/szsi/zxbs/zdyw/gpywcj/ylbxyjsq/",
      "title": "关于养老保险延缴申请的温馨提示",
      "publisher": "深圳市社会保险基金管理局",
      "published_date": null,
      "data_reference_period": "见原文",
      "key_facts": [
        "达龄年限不足可申请延缴，需判断深圳作为待遇/延缴地资格；延缴门槛固定于本人法定退休年。满门槛当月办理养老金申领。省外户籍、临时账户和转移归集存在条件，不可自动保证深圳待遇。页面部分旧条款仍列15年，未来年门槛按2024决定及页面后段新规则。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/SZ-DEFERRED-CONTRIBUTION.json"
    },
    {
      "id": "SZ-FLEX-INTERRUPTION-2026",
      "url": "https://hrss.sz.gov.cn/szsi/gzfw/ywzsk/sbgx/grcbjf/content/post_12591940.html",
      "title": "灵活就业人员出现断缴养老保险费情况，应该怎么办？",
      "publisher": "深圳市人社局",
      "published_date": "2026-01-24",
      "data_reference_period": "见原文",
      "key_facts": [
        "灵活就业可自愿暂停再续，已有年限不清零；法定年龄不足最低年限可延长缴费。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/SZ-FLEX-INTERRUPTION-2026.json"
    },
    {
      "id": "SZ-FLEX-NO-RETROACTIVE-2025",
      "url": "https://hrss.sz.gov.cn/szsi/gzfw/ywzsk/sbgx/grcbjf/content/post_12544574.html",
      "title": "灵活就业人员灵活就业期间未缴纳养老保险，这期间的养老保险可以补缴吗？",
      "publisher": "深圳市人社局",
      "published_date": "2025-12-24",
      "data_reference_period": "见原文",
      "key_facts": [
        "未缴月份不能默认事后补回；达龄缺年限可以按条件延缴。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [
        "官方网页直接访问未成功，已用官方搜索索引全文核验。"
      ],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/SZ-FLEX-NO-RETROACTIVE-2025.json"
    },
    {
      "id": "SZ-INDEX-DENOMINATOR-2024",
      "url": "https://www.sz.gov.cn/hdjlpt/detail?pid=3045390&via=pc",
      "title": "缴费工资指数（深圳市人社局官方答复）",
      "publisher": "深圳市人社局",
      "published_date": "2024-12-04",
      "data_reference_period": "2020-01-01",
      "key_facts": [
        "深圳办法2020年1月之后缴费指数为每月缴费工资÷缴费时上年度省全口径月平均工资。1994至2019用当期上年度深圳在岗工资；此前用省在岗工资。不能将当下工资重建全部历史指数。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [
        "官方网页直接访问未成功，已用官方搜索索引全文核验。"
      ],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/SZ-INDEX-DENOMINATOR-2024.json"
    },
    {
      "id": "SZ-INDEX-PERIOD-2024",
      "url": "https://www.sz.gov.cn/hdjlpt/detail?pid=2994084&via=pc",
      "title": "请问统计月平均缴费指数的时间口径（官方答复）",
      "publisher": "深圳市人社局",
      "published_date": "2024-09-24",
      "data_reference_period": "2020-01-01",
      "key_facts": [
        "省全口径工资按社保年度口径使用；2020年起深圳指数分母是省全口径工资。"
      ],
      "model_use": "v2.3政策核对",
      "limitations": [
        "官方网页直接访问未成功，已用官方搜索索引全文核验。"
      ],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/SZ-INDEX-PERIOD-2024.json"
    },
    {
      "id": "JS-DIVISOR-2024-NOT-SHENZHEN",
      "url": "https://www.jiangsu.gov.cn/art/2025/2/26/art_64797_11500401.html",
      "title": "江苏省企业职工基本养老保险实施办法（用于识别取整规则不可跨省照搬）",
      "publisher": "江苏省人社厅",
      "published_date": "2025-02-26",
      "data_reference_period": "2025-02-01",
      "key_facts": [
        "新江苏办法已不再使用2022版“按下一档”原文。不能拿江苏/山东旧取整规定当深圳2025起规则。此源仅作限制说明，不作为深圳参数。"
      ],
      "model_use": "说明不能照搬地方历史取整规则",
      "limitations": [
        "官方网页直接访问未成功，已用官方搜索索引全文核验。"
      ],
      "retrieved_date": "2026-10-24",
      "snapshot_file": "snapshots/JS-DIVISOR-2024-NOT-SHENZHEN.json"
    },
    {
      "id": "NBS-CONSUMPTION",
      "url": "https://www.stats.gov.cn/sj/tjbz/gjtjbz/202302/P020230213402492385324.pdf",
      "title": "居民消费支出分类（2013）",
      "publisher": "国家统计局",
      "model_use": "分类，不据此推定个人消费金额",
      "retrieved_date": "2026-10-24"
    },
    {
      "id": "UI-COMPONENTS",
      "url": "https://getbootstrap.com/docs/5.3/forms/overview/",
      "title": "Bootstrap与flatpickr本地表单组件",
      "publisher": "开源组件官方文档",
      "model_use": "交互设计与本地UI组件",
      "retrieved_date": "2026-10-24"
    }
  ],
  "missing_data": [
    "WHO LIFE_0000000035中国原始API未成功抓取，未入模任何未经核验数值。",
    "省市职工医保退休缴费年限、养老金账户、待遇基数和特殊身份需按参保地另行核验。",
    "未导入资产历史收益序列、波动率或相关性；因此不报告蒙特卡洛真实成功概率。"
  ]
}