Abstract:This article takes the teams of state-owned bank branches as an example and uses a multilevel regression model to explore the impact of high-commitment human resource management practice atmosphere level on the team's willingness to delay retirement, team performance, and the moderating effect of atmosphere intensity at the team level. Through multilevel regression analysis of questionnaire data from 113 work teams and 901 members, the study finds that the team-level high-commitment human resource management practice climate is significantly and positively related to the team's willingness to delay retirement. In addition, willingness to delay retirement mediates the relationship between the team climate level and team performance, while team climate strength moderates the relationship between climate level and team willingness to delay retirement. The relevant conclusions of this study have certain guiding significance for exploring the influencing factors of team performance, clarifying the mechanism of the team's willingness to delay retirement, and formulating policies related to delayed retirement.