金融创新支持银发经济高质量发展的内在逻辑及路径

The Internal Logic and Pathways of Financial Innovation in Supporting the High-Quality Development of the Silver Economy

摘要: 银发经济作为应对当前人口老龄化挑战的关键举措，其高质量发展需要充分发挥金融创新的支撑作用。本文在人口老龄化背景下，基于生命周期假说和普惠金融理论，探究金融创新支持银发经济高质量发展的三大内在逻辑：需求匹配与风险重构、资本聚合与产业协同、政策与技术双轮驱动。进一步得出金融创新支持银发经济的三大主要实践路径和一条补充路径：开发全生命周期养老金融产品体系、构建银发产业资本生态圈、打造智慧康养金融创新试验区和推动养老金融教育与普惠服务下沉。

Abstract: The silver economy, as a key measure to address the current challenge of population aging, requires the full play of the supporting role of financial innovation for its high-quality development. Against the backdrop of population aging, this paper, based on the life cycle hypothesis and the theory of inclusive finance, explores the three inherent logics of financial innovation supporting the high-quality development of the silver economy: demand matching and risk restructuring, capital aggregation and industrial synergy, and dual-wheel drive of policy and technology. Further, it concludes three main practical paths and one supplementary path for financial innovation to support the silver economy: developing a full life cycle pension financial product system, building a silver industry capital ecosystem, creating a smart health and elderly care financial innovation pilot zone, and promoting the downward extension of elderly care financial education and inclusive services.