老年人真实需求视角下银发经济发展困境及应对策略分析

Analysis of Challenges and Countermeasures for the Silver Economy Development from the Perspective of Elderly People’s Real Needs

摘要: 在人口老龄化程度持续加深和积极应对人口老龄化国家战略深入推进的背景下，银发经济已成为培育新增长动能和改善老年人生活质量的重要领域。然而，现实中银发经济在快速扩张的同时，仍不同程度存在供给结构同质化、需求识别失真以及服务可及性不足等问题，其根源在于对老年人真实需求的回应能力不足。研究认为，应以真实需求为核心重塑银发经济发展逻辑，通过完善需求识别体系、优化供给结构、强化政策协同等，推动银发经济由规模扩张型向精准适配型转变，实现银发经济高质量发展。

Abstract: Against the backdrop of a continuously deepening ageing population and the in-depth advancement of the national strategy for actively addressing population ageing, the silver economy has emerged as a vital domain for cultivating new growth momentum and enhancing the quality of life for older adults. However, in practice, while the silver economy is expanding rapidly, it still faces issues to varying degrees, including homogeneity in supply structures, distorted identification of demand, and insufficient service accessibility. The root cause lies in an inadequate capacity to respond to the genuine needs of older adults. Research suggests that the development logic of the silver economy should be reshaped with genuine needs at its core. By refining demand identification systems, optimising supply structures, and strengthening policy coordination, the silver economy can transition from scale-driven expansion to precision-tailored adaptation, thereby achieving high-quality development.