银发经济视域下老年消费市场的综合治理路径研究

Research on the Comprehensive Management Path for Elderly Consumption Market from the Perspective of the Silver Economy

摘要: 随着我国人口老龄化进程加快，银发经济已成为推动经济社会发展的重要力量。老年群体消费呈现出线上化、品质化、社区化等新特征，消费需求从生存型向发展型转变，低龄老年人逐渐成为消费主力。然而，银发消费市场在快速发展的同时，也面临供给结构失衡、数字鸿沟加剧、消费欺诈频发等现实困境，老年消费者的合法权益保障亟待加强。本文从银发经济视域出发，系统梳理老年消费群体的结构性特征与现实挑战，深入剖析消费市场乱象的深层成因，并从政府引导、市场自律、数字包容、社会共治等维度，探讨老年消费市场综合治理的协同机制与优化路径，以期为促进银发经济高质量发展、提升老年群体消费福祉提供参考。

Abstract: As the aging process of the Chinese population accelerates, the silver-haired economy has become an important force driving economic and social development. The consumption behavior of the elderly group shows new characteristics such as onlineization, quality-oriented, and community-based. The consumption demands have shifted from survival-oriented to development-oriented, and younger elderly people are gradually becoming the main consumers. However, while the silver-haired consumption market is developing rapidly, it also faces real challenges such as imbalance in supply structure, widening digital gap, and frequent occurrence of consumption fraud. The protection of the legitimate rights and interests of elderly consumers urgently needs to be strengthened. This article, from the perspective of the silver-haired economy, systematically examines the structural characteristics and practical challenges of the elderly consumption group, deeply analyzes the underlying causes of the chaos in the consumption market, and explores the collaborative mechanism and optimization path for the comprehensive governance of elderly consumption market from dimensions such as government guidance, market self-discipline, digital inclusiveness, and social governance, with the aim of providing references for promoting the high-quality development of the silver-haired economy and improving the consumption welfare of the elderly group.