银发经济中的信息不对称对老年消费维权困境的影响机制及其治理路径

The Influence Mechanism of Information Asymmetry in the Silver Economy on the Dilemma of Elderly Consumers’ Rights Protection and Its Governance Pathways

摘要: 随着我国人口老龄化进程加速，银发经济已成为推动经济社会发展的新引擎。然而，在这一快速扩张的市场中，信息不对称问题日益凸显，导致老年消费者面临严重的消费困境。本文基于信息经济学视角，系统分析了银发经济中信息不对称的表现形式、成因及其对老年消费权益的影响。研究发现，老年人在健康养生、理财投资、养老服务等领域的消费过程中，因认知能力衰减、数字鸿沟制约、信息获取渠道有限等因素，处于信息弱势地位，面临价格欺诈、虚假宣传、诱导消费等多重风险。本文提出了完善信息披露制度、加强金融消费者保护、构建适老化信息服务体系和健全社会支持网络等对策建议，以期为破解老年消费困境、促进银发经济健康发展提供参考。

Abstract: As the aging process of China’s population accelerates, the silver economy has become a new engine driving economic and social development. However, in this rapidly expanding market, the issue of information asymmetry has become increasingly prominent, subjecting elderly consumers to severe consumption dilemmas. From the perspective of information economics, this paper systematically analyzes the manifestations, causes, and impacts of information asymmetry on the consumption rights and interests of the elderly in the silver economy. The study finds that during consumption processes in areas such as health and wellness, financial investment, and elderly care services, the elderly are at an informational disadvantage due to factors including declining cognitive abilities, the digital divide, and limited access to information channels. Consequently, they face multiple risks such as price fraud, false advertising, and induced consumption. This paper proposes countermeasures and recommendations, including improving information disclosure systems, strengthening financial consumer protection, establishing an elderly-oriented information service system, and enhancing social support networks, aiming to provide references for resolving the consumption dilemmas of the elderly and promoting the healthy development of the silver economy.