人口老龄化背景下银发经济发展困境与路径优化研究

Research on the Development Dilemma and Path Optimization of the Silver Economy under the Background of Population Aging

摘要: 在人口老龄化加速的背景下，银发经济发展困难已成为制约老年人社会参与、幸福养老的重要问题。基于人口老龄化和银发经济的内涵以及发展特点、现状出发，系统研究阻碍银发经济发展的原因，研究发现银发经济供给端适配不足、产业发展不规范、人才短缺与技术应用滞后、社会认知与参与度不足是制约银发经济高质量发展的关键原因。因此，发展应坚持市场、人才、技术、社会相统一的基本原则，通过优化供给结构，满足多元化需求、完善产业规范，强化监管力度、加强人才培养，推动技术赋能、引导社会参与，营造良好环境来推动老龄化加速时代老年群体社会健康、有序、智慧发展。

Abstract: Against the backdrop of accelerating population aging, the difficulties in developing the silver economy have emerged as a significant constraint on social participation and the well-being of older adults in their later years. Based on an analysis of the conceptual underpinnings, developmental characteristics, and current landscape of population aging and the silver economy, a systematic investigation into the impediments to its growth reveals that key barriers to high-quality development include inadequate supply-side adaptation, irregular industrial development, talent shortages, lagging technological application, as well as insufficient social awareness and engagement. Therefore, advancing the silver economy should adhere to the fundamental principle of integrating market forces, talent, technology, and societal efforts. This can be achieved by optimizing the supply structure to meet diverse demands, refining industrial standards and strengthening regulatory oversight, enhancing talent cultivation to drive technological empowerment, and fostering social involvement to create a favorable environment. Such measures will promote the healthy, orderly, and intelligent integration of the elderly population into society amid an era of rapid aging.