人口老龄化、养老保障与银发经济协同发展的机制与路径研究

Research on Mechanisms and Pathways for the Co-Development of Population Ageing, Old-Age Security and the Silver Economy

摘要: 人口老龄化程度持续加深已成为我国经济社会发展的重要背景，养老保障体系建设与银发经济培育成为应对老龄化挑战的核心抓手，三者的协同发展是破解养老难题、释放人口发展红利的关键路径。人口老龄化是协同发展的需求动因，养老保障是协同发展的基础支撑，银发经济是协同发展的动力引擎，当前三者协同存在政策衔接不足、支撑力度薄弱、耦合机制不健全等问题。基于此，需通过完善顶层政策设计、强化养老保障效能、激活银发经济动能、夯实实践保障条件，推动三者高效协同，助力积极应对人口老龄化国家战略落地，实现经济社会可持续发展。

Abstract: The deepening of population aging has become an important background for China’s economic and social development. The construction of the old-age security system and the cultivation of the silver economy have become the core starting points for addressing the challenges of aging, and the coordinated development of the three is the key path to solving the old-age problem and releasing the demographic dividend. The study finds that population aging is the demand driver of coordinated development, old-age security is the basic support of coordinated development, and the silver economy is the power engine of coordinated development. At present, the coordination of the three faces problems such as insufficient policy connection, weak support and imperfect coupling mechanism. Based on this, it is necessary to promote the efficient coordination of the three by improving top-level policy design, strengthening the effectiveness of old-age security, activating the kinetic energy of the silver economy and consolidating practical safeguard conditions, so as to help the implementation of the national strategy of actively responding to population aging and realize the sustainable development of economy and society.