{
  "schema_version": "1.0.0",
  "verified_on": "2026-10-24",
  "statutory": {
    "source_ids": [
      "CN-RET-2024",
      "CN-RET-TABLES",
      "CN-FLEX-2024"
    ],
    "effective_from": "2025-01-01",
    "scope": "中国大陆普通职工；特殊工种、特殊身份和另有规定者须由社保经办机构确认",
    "required_inputs": [
      "出生年月",
      "适用原退休年龄类别（不能仅凭性别推断女性类别）"
    ],
    "month_index": "year*12+(month-1)",
    "formula": "delay_months = max(0,min(cap,ceil((birth_month_index-start_month_index+1)/step))); retirement_age_months=base_years*12+delay_months; retirement_month_index=birth_month_index+retirement_age_months",
    "categories": [
      {
        "code": "male60",
        "label": "男职工（原60岁）",
        "base_years": 60,
        "start_birth_month": "1965-01",
        "step_birth_months": 4,
        "cap_delay_months": 36
      },
      {
        "code": "female55",
        "label": "女职工（原55岁）",
        "base_years": 55,
        "start_birth_month": "1970-01",
        "step_birth_months": 4,
        "cap_delay_months": 36
      },
      {
        "code": "female50",
        "label": "女职工（原50岁）",
        "base_years": 50,
        "start_birth_month": "1975-01",
        "step_birth_months": 2,
        "cap_delay_months": 60
      }
    ],
    "minimum_contribution_months": {
      "formula": "180+min(60,max(0,retirement_year-2029)*6)",
      "table": [
        {
          "year": 2025,
          "months": 180
        },
        {
          "year": 2026,
          "months": 180
        },
        {
          "year": 2027,
          "months": 180
        },
        {
          "year": 2028,
          "months": 180
        },
        {
          "year": 2029,
          "months": 180
        },
        {
          "year": 2030,
          "months": 186
        },
        {
          "year": 2031,
          "months": 192
        },
        {
          "year": 2032,
          "months": 198
        },
        {
          "year": 2033,
          "months": 204
        },
        {
          "year": 2034,
          "months": 210
        },
        {
          "year": 2035,
          "months": 216
        },
        {
          "year": 2036,
          "months": 222
        },
        {
          "year": 2037,
          "months": 228
        },
        {
          "year": 2038,
          "months": 234
        },
        {
          "year": 2039,
          "months": 240
        }
      ]
    },
    "pension_first_payment": "经审核通过退休时间次月。实际资格、办理和到账时间由社保经办机构核定。",
    "flexible_early": {
      "max_months": 36,
      "age_floor_original": true,
      "contribution_reference_year": "所选退休时间对应年份"
    },
    "flexible_delayed": {
      "max_months": 36,
      "requires_employer_agreement": true,
      "contribution_reference_year": "本人法定退休年龄对应年份"
    },
    "financial_postponement": "模型未达财务标准后继续工作属于经济意义上的延后退出劳动，不自动等同于法律弹性延迟退休。"
  },
  "life_expectancy": {
    "source_id": "CN-LIFE-STUDY-2023",
    "data_reference_year": 2020,
    "published_year": 2023,
    "indicator": "LE：分性别、年龄组的时期生命表平均剩余寿命",
    "units": "年",
    "authors": [
      "刘晨",
      "王琼",
      "吴炳义",
      "刘军"
    ],
    "institution": "潍坊医学院管理学院（论文发表时机构名）",
    "citation": "中国卫生政策研究, 2023,16(2):9–15",
    "doi": "10.3969/j.issn.1674-2982.2023.02.002",
    "source_url": "https://journal.healthpolicy.cn/html/20230202.htm",
    "bibliography_url": "https://journal.healthpolicy.cn/ch/reader/view_abstract.aspx?file_no=20230202",
    "rows": [
      {
        "age_group": "60–64",
        "age_start": 60,
        "male": 20.24,
        "female": 24.23
      },
      {
        "age_group": "65–69",
        "age_start": 65,
        "male": 16.31,
        "female": 19.93
      },
      {
        "age_group": "70–74",
        "age_start": 70,
        "male": 12.64,
        "female": 15.84
      },
      {
        "age_group": "75–79",
        "age_start": 75,
        "male": 9.38,
        "female": 12.14
      },
      {
        "age_group": "80–84",
        "age_start": 80,
        "male": 6.67,
        "female": 8.96
      },
      {
        "age_group": "85–89",
        "age_start": 85,
        "male": 4.67,
        "female": 6.51
      },
      {
        "age_group": "90+",
        "age_start": 90,
        "male": 3.21,
        "female": 4.8
      }
    ],
    "age_interpretation": {
      "status": "生命表组起点解释（根据简略生命表方法和文内对年龄组的起点表述）；论文未公开逐岁ex或lx",
      "evidence": "论文1.2说明使用分年龄、性别简略生命表；2.3将80–84组表值称作80岁占比。",
      "use": "可用60+e60作为退休阶段平均寿命参考；年龄组内不能将当前年龄直接加该组余寿，不能冒充逐岁条件寿命。"
    },
    "limitations": [
      "作者利用普查数据并经联合国西区模型生命表调整，非国家统计局直接公布的官方分年龄寿命表。",
      "数据期为2020年，不是2025或2026年。",
      "没有小于60岁的条件余寿；不得给25/35岁直接套用为个人当前年龄的死亡年龄预测。",
      "没有存活人数lx、完整死亡率qx或寿命分位点；不能从这些均值生成95%保障寿命或退休成功概率。",
      "90+是开放年龄组，不能外推到任意高龄；若组起点加余寿已小于用户年龄，必须要求用户设定更长期限或其他合格生命表。",
      "当前及未来医疗、地区、健康状态、队列改善、夫妻联合存活均未个性化。夫妻取较晚参考日期是一项规划规则，不是最后生存者期望。",
      "额外5/10年仅为用户长寿压力情景，不是统计置信区间。"
    ]
  },
  "birth_life_expectancy": {
    "source_id": "CN-E0-2025",
    "year": 2025,
    "value": 79.25,
    "units": "岁",
    "scope": "全国人口（出生时预期寿命口径）",
    "use": "背景信息，不设为所有年龄用户的死亡年龄或硬性资金终点"
  },
  "cpi": {
    "units": "全年居民消费价格较上年变动百分比",
    "scope": "中国全国",
    "observations": [
      {
        "year": 2021,
        "value": 0.9,
        "source_id": "CN-CPI-2021"
      },
      {
        "year": 2022,
        "value": 2,
        "source_id": "CN-CPI-2022"
      },
      {
        "year": 2023,
        "value": 0.2,
        "source_id": "CN-CPI-2023"
      },
      {
        "year": 2024,
        "value": 0.2,
        "source_id": "CN-CPI-2024"
      },
      {
        "year": 2025,
        "value": 0,
        "source_id": "CN-CPI-2025"
      }
    ],
    "use": "展示已发生的国内通胀历史；未来通胀为用户情景输入，不能把短期均值宣称为未来预测。"
  },
  "unresolved": [
    "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。"
  ]
}