摘要: 首先是识别县域层面数字经济嵌入养老服务与银发消费的运行机制、主要制约因素及优化路径。其次以南京市高淳区为案例，采用案例研究与规范分析相结合的方法，综合使用政策文本、统计报告、民政公开信息、地方实践报道和相关中文文献，对平台下沉、场景组织、消费转化与治理约束进行分析。发现高淳区的数字嵌入并非单纯平台接入，而是市级平台、区级统筹、村级节点和家庭支持共同作用的组织重构过程。数字平台提升了需求识别、派单记录和履约反馈效率，幸福小院、助餐点、时间银行等线下节点增强了服务可及性，并推动了适老产品、代办支持和线下履约相结合的消费转化。与此同时，村级承接能力不均、老年人有效使用能力不足以及支付与风险治理滞后，仍限制了数字赋能效果。最后发现县域推进数字养老与银发消费发展，关键不在于单纯增加技术工具，而在于形成“平台–场景–人工服务–风险治理”联动机制，并围绕高频需求建立稳定、可持续的服务与消费闭环。
Abstract: This paper aims to identify how digitalization is embedded in county-level elderly care services and silver consumption, to explain the main constraints that appear during this process, and to clarify the governance pathways that may support more sustainable local development. Instead of treating the silver economy as an abstract macro concept, the paper narrows the discussion to the intersection of elderly care services, age-friendly consumption, and county governance. Gaochun District in Nanjing is selected as the case because it combines a relatively high level of population ageing, clear rural and county-level characteristics, and a visible set of public service experiments such as time-bank mutual aid, village-based service nodes, and community elderly care points. The study adopts a case-study approach combined with normative analysis. Four categories of materials are used in a coordinated way: policy documents are used to define the institutional background and the boundary of analysis; statistical reports and publicly released ageing information are used to describe demographic pressure and the local service base; publicly available practice reports released by government and civil affairs departments are used to reconstruct typical scenes and operational processes; and Chinese academic studies are used to interpret mechanisms, explain constraints, and compare the Gaochun case with broader debates on digital inclusion, rural elderly care, and silver consumption. The case shows that digital embedding in a county context is not merely a matter of platform connection. It is an organizational restructuring process jointly shaped by municipal platform rules, district-level coordination, village-level service nodes, and family or community support. First, the sinking of the platform improves the standardization of demand registration, order assignment, record keeping, and service feedback, but the practical effectiveness of the platform still depends on the carrying capacity of village-level nodes. Second, scene-based service organization is crucial. Mutual-aid points, meal assistance points, happiness courtyards, and other offline nodes work as concrete interfaces through which elderly people enter the service system, receive assistance, and gradually develop stable service expectations. Third, silver consumption in the county context does not mainly expand through independent large-scale online shopping by older residents. Rather, it grows through the combination of information access, agent-assisted ordering, offline fulfillment, and age-friendly product experience. In this sense, service access and consumption access are closely intertwined. At the same time, three structural constraints remain salient. The first is the uneven carrying capacity of village-level organizations and the incompleteness of the local service chain. The second is the limited effective use ability of older adults, especially in rural settings where sustained guidance and human support are still necessary. The third is the lag in payment support, dispute resolution, and risk governance, which may weaken trust and reduce the willingness of older adults and their families to continuously use digital service channels. The Gaochun case indicates that county-level digital elderly care and silver consumption cannot be advanced simply by adding more technical tools or building more platform entrances. What matters is whether a linked mechanism can be formed among platform connection, scene construction, human assistance, and risk governance. For county-level areas with a large rural hinterland, policy priorities should therefore focus on building a closed loop among municipal platforms, district coordination, and village nodes; cultivating high-frequency service and consumption scenes around meals, care, rehabilitation, and age-friendly products; retaining agent-based and offline interfaces for older users with limited digital ability; and improving payment support and risk control so that service reach can gradually be converted into stable consumption reach. Although the paper is based on public materials rather than interviews or survey data, it provides a relatively clear analytical framework for understanding how digitalization operates in a county-level ageing context and why service accessibility, organizational capability, and governance arrangements remain more decisive than technology alone.