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笔者认为确定退休年龄主要应该考虑养老保障和就业两个因素，其中前者是第一位的。从养老保障的角度看，中国退休年龄应该提高，但考虑到就业状况，目前并不是提高退休年龄的合适时机。通过对中国未来人口年龄结构的分析，笔者发现在２１世纪１０年代是提高中国退休年龄的合适时机，并以此为基础，提出了三个方案，通过比较笔者认为方案二是一个比较理想的方案。
The author believes that determining the retirement age should mainly consider the two factors of old-age security and employment, of which the former is the first one. From the perspective of endowment insurance, China’s retirement age should be raised, but taking into account the employment situation is not the right time to raise the retirement age. By analyzing the age structure of China’s population in the future, the author finds that in the 10’s of the 21st century, it is an appropriate time to raise the retirement age in China. On the basis of this, we put forward three proposals. By comparing the author’s opinion that Option Two is an ideal solution .