Abstract: In order to understand the development of the time bank's mutual care service model for the elderly, a questionnaire survey and field investigation were conducted in N-city, and it was learned that the current time bank in N-city was still in the exploration and development stage, with problems such as a small number of volunteers, low popularity, low service quality, and difficult interconnection of pension data. Therefore, it was proposed that under the background of active aging, the optimization path of the pension model of N-city time bank could be constructed through the “three pillars”, namely, the three dimensions of national health, social participation and policy guarantee, and the localization development of time bank could be made into the characteristics of N-city and form the experience of N-city.

Key words: active aging, time bank, "the three pillars", pluralistic cooperation, sustainable development