县域银发经济发展的痛点与特色化发展路径——以XX县为例

The Pain Points and Specialized Development Path of Silver Economy in County —Taking XX County as an Example

摘要: 人口老龄化加速背景下，县域银发经济成为拉动乡村振兴、拓展经济发展空间的重要抓手。当前我国县域银发经济规模增长迅速，老年人口数量持续攀升，预计2025年县域银发经济规模将突破3万亿，2035年我国60岁及以上老年人口将超4亿、银发经济规模有望突破30万亿元。本文基于XX县县域实际，通过2025年8月~10月对该县12个乡镇、36个行政村的实地考察、入户走访与对比分析，系统剖析了县域银发经济在供给侧结构、产业结构及支持保障等方面的核心问题。结合XX县生态、文化及人口结构特征，提出“生态 + 康养 + 农业特色融合”的发展路径，深挖当地富硒大米、有机蔬菜、道地中药材等农业特色资源价值，落地“以地养老”“互助养老”等低成本农村养老模式，以期为同类县域破解“未富先老”难题、实现银发经济高质量发展提供参考与借鉴。

Abstract: With the acceleration of population aging, the silver economy in county-level regions has become an important starting point for boosting rural revitalization and expanding economic development space. At present, the scale of China’s county-level silver economy is growing rapidly, and the number of elderly population is rising continuously. It is expected that the scale of county-level silver economy will exceed 3 trillion yuan by 2025, and by 2035, China’s population aged 60 and above will exceed 400 million with the silver economy scale expected to break through 30 trillion yuan. Based on the actual situation of XX County, this paper systematically analyzes the core problems of county-level silver economy in supply-side structure, industrial structure and support guarantee through field investigations, household visits and comparative analysis in 12 towns and 36 administrative villages of the county from August to October 2025. Combined with the ecological, cultural and demographic characteristics of XX County, it proposes a development path of “ecology + wellness + agricultural characteristic integration”, explores the value of local characteristic agricultural resources such as selenium-rich rice, organic vegetables and genuine medicinal materials in depth, and implements low-cost rural pension models such as “land-based pension” and “mutual pension”, so as to provide reference for similar counties to solve the problem of “aging before prosperity” and achieve high-quality development of silver economy.