从“以房养老”到“以智养老”：新时代养老模式的变革

From “Housing-for-Pension” to “Smart Pension”: The Transformation of Pension Models in the New Era

摘要: 在应对中国日益加剧的人口老龄化问题的背景下，传统的“以房养老”模式虽然在一定程度上缓解了养老压力，但也暴露出诸多局限性。本文旨在探讨新时代下“以智养老”模式的兴起，分析其优势与挑战，并提出相应的政策建议，以期为养老模式的创新提供参考。

Abstract: Against the backdrop of China’s escalating population aging issue, while the traditional “housing-for-pension” model has alleviated the pressure on pension to some extent, it has also exposed numerous limitations. This paper aims to explore the rise of the “smart pension” model in the new era, analyze its advantages and challenges, and put forward corresponding policy suggestions, in order to provide a reference for the innovation of pension models.