积极老龄化视角下银发经济的价值意涵、现实问题与实践路径

The Value Implications, Real-World Problems, and Practical Paths of the Silver Economy from the Perspective of Active Aging

摘要: 银发经济作为应对人口老龄化挑战、挖掘老年群体消费潜力的重要领域，正逐步成为推动社会发展的新动力。本文立足于积极老龄化视角，系统探讨银发经济的多维价值意涵，深入剖析其发展面临的现实桎梏，并提出针对性优化举措。当前我国银发经济发展仍面临供给结构失衡、数字转型滞后、产业融合不足、制度保障缺位、区域发展不均等现实问题，与积极老龄化“健康、参与、保障”的战略要求存在显著差距。在此基础上，本文从数字赋能、产业融合、制度保障三大维度，提出构建分层培育与场景创新的数字赋能体系、培育跨代共融的特色产业生态、建立多元共治的治理体系等针对性实践路径，旨在为推动银发经济高质量发展、助力积极老龄化战略落地实施提供理论参考与实践遵循，推动实现人口老龄化与经济社会的协同发展，让老年人的“老有所养、老有所为、老有所乐”成为现实。

Abstract: As an important area for addressing the challenges of population aging and tapping the consumption potential of the elderly, the silver economy is gradually becoming a new driving force for social development. This paper, from the perspective of active aging, systematically explores the multidimensional value implications of the silver economy, deeply analyzes the real-world constraints it faces, and proposes targeted optimization measures. Currently, my country’s silver economy development still faces real-world problems such as imbalanced supply structure, lagging digital transformation, insufficient industrial integration, lack of institutional guarantees, and uneven regional development, which significantly fall short of the strategic requirements of “health, participation, and security” for active aging. Building upon this foundation, this paper proposes targeted practical pathways from three dimensions: digital empowerment, industrial integration, and institutional guarantees. These include constructing a tiered digital empowerment system with tiered cultivation and scenario innovation; fostering a distinctive intergenerational industrial ecosystem; and establishing a multi-party governance system. The aim is to provide theoretical reference and practical guidance for promoting the high-quality development of the silver economy and facilitating the implementation of the active aging strategy. Ultimately, this will promote the coordinated development of population aging and the economy and society, making the elderly’s ability to “be cared for, contribute, and enjoy life” a reality.