新质生产力驱动银发经济高质量发展的三重维度探析

An Analysis of the Triple Dimensions of New Quality Productive Forces Driving the High-Quality Development of the Silver Economy

摘要: “十五五”时期是我国全面建设社会主义现代化国家的关键阶段，人口老龄化深度演进与新质生产力加速培育形成历史性交汇，发展银发经济成为应对人口老龄化、推动高质量发展、实现共同富裕的重要抓手。本文从交互逻辑、现实挑战、实践路径三重维度切入，系统剖析新质生产力与银发经济高质量发展的内在关联、梗阻障碍与破局方案。研究发现，新质生产力通过技术赋能、产业升级、价值引领、制度适配四大逻辑与银发经济形成深度耦合，但当前仍面临技术转化不畅、供需结构错配、制度供给滞后、数字鸿沟凸显、要素保障薄弱等现实难题。基于此，结合“十五五”规划战略部署，引入典型案例的微观证据，并聚焦AI居家养老场景设计可操作的老年数字素养培训框架与治理方案，构建科技创新引领、产业融合提质、制度保障护航、数字包容兜底、人才资本支撑的立体化实践路径，推动银发经济从规模扩张向质量效益转型，让老年群体共享新质生产力发展成果，为完善中国式现代化老龄治理体系提供学理支撑。

Abstract: The 15th Five-Year Plan period marks a critical stage in China’s endeavor to build a modern socialist country in all respects. During this period, the deepening evolution of population aging and the accelerated cultivation of new quality productive forces are converging at a historic juncture, making the development of the silver economy an important lever for addressing population aging, promoting high-quality development, and achieving common prosperity. This paper systematically analyzes the intrinsic linkages, obstacles, and solutions between new quality productive forces and the high-quality development of the silver economy from three dimensions: interactive logic, practical challenges, and implementation pathways. The study finds that new quality productive forces are deeply coupled with the silver economy through four mechanisms—technological empowerment, industrial upgrading, value orientation, and institutional adaptation. However, current challenges remain, including inadequate technological transformation, supply-demand structural mismatches, lagging institutional supply, a prominent digital divide, and weak factor support. Based on these findings, and in alignment with the strategic deployment of the 15th Five-Year Plan, this paper proposes a multi-dimensional implementation pathway driven by scientific and technological innovation, supported by industrial integration and quality improvement, safeguarded by institutional guarantees, underpinned by digital inclusion, and bolstered by talent and capital support. By introducing micro-evidence from typical cases and designing an actionable digital literacy training framework and governance scheme for AI-based home care scenarios, this pathway aims to facilitate the transformation of the silver economy from scale expansion to quality and efficiency improvement, enable the elderly population to share in the fruits of new quality productive forces, and provide theoretical support for improving the governance system for aging in the context of Chinese modernization.