农村银发经济发展的消费瓶颈与缓解路径

Consumption Bottlenecks and Mitigation Pathways for the Development of the Rural Silver Economy

摘要: 在人口老龄化背景下，银发经济发展成为扩大乡村消费、实现乡村振兴的重要抓手。由于农村地区存在消费环境落后、涉老诈骗频发、制度供给缺位等问题，银发消费潜力无法得到真正释放。本文基于相关政策文本及相关文献，通过采用逻辑推演方法，系统识别了农村银发经济的瓶颈并揭示其内在机制，并提出了改善人居环境与公共服务、反诈骗治理与信任修复、制度完善与产业融合等三条缓解路径。研究表明，农村银发经济的核心问题并非需求不足，而是需求被制度、服务、信任三重失灵所抑制。有关政府部门需要从消费端的基础设施、风险治理方面进行制度创新，缓解农村银发经济的瓶颈问题。

Abstract: Against the backdrop of population aging, the development of the silver economy has become a crucial lever for expanding rural consumption and promoting rural revitalization. However, issues such as underdeveloped consumption environments, frequent fraud targeting the elderly, and inadequate institutional supply in rural areas prevent the full release of the consumption potential of the silver economy. Drawing on relevant policy texts and literature, this paper employs a logical deduction method to systematically identify the bottlenecks in the rural silver economy and reveal their underlying mechanisms. Furthermore, it proposes three relief pathways: improving the living environment and public services, combating fraud and restoring trust, and enhancing institutional support and industrial integration. The study shows that the core problem of the rural silver economy is not insufficient demand, but rather demand suppressed by a triple failure of institutions, services, and trust. Relevant government departments need to pursue institutional innovation in consumption infrastructure and risk governance to alleviate the bottlenecks in the rural silver economy.