数字化转型背景下银发经济发展的结构性困境与路径优化研究

Research on the Structural Difficulties and Path Optimization of Silver Hair Economy Development under the Background of Digital Transformation

摘要: 在数字化转型与人口老龄化叠加背景下，银发经济加速向多元融合的综合性经济形态演进，但同时呈现出显著的结构性不均衡。本文基于“技术–社会–结构”分析框架，对银发经济发展的结构性困境及其生成机制进行系统阐释。研究发现：在消费侧，数字化进程由“接入差距”演化为“获益不均”，部分老年群体陷入“数字孤岛”；在供给侧，市场逐利逻辑导致服务结构高端化，普惠性供给不足；在制度侧，数字身份约束与城乡差异加剧制度性排斥。上述困境在“技术筛选–社会嵌入弱化–结构再生产”的机制链条中不断强化，造成数字红利的结构性偏移。基于此，本文从技术逻辑重塑、社会支持网络重构与制度供给均衡三个维度提出优化路径，以促进银发经济的包容性与可持续发展。

Abstract: Against the backdrop of digital transformation and aging population, the silver economy is accelerating its evolution towards a comprehensive economic form of diversified integration, but at the same time, it presents significant structural imbalances. This article is based on the “technology society structure” analysis framework to systematically explain the structural difficulties and their generation mechanisms in the development of the silver haired economy. Research has found that on the consumer side, the digitalization process has evolved from “access gap” to “unequal benefits”, and some elderly groups are trapped in “digital islands”; On the supply side, the profit driven logic of the market leads to a high-end service structure and insufficient inclusive supply; On the institutional side, digital identity constraints and urban-rural disparities exacerbate institutional exclusion. The above dilemma is continuously strengthened in the mechanism chain of “technology screening—weakening of social embedding—structural reproduction”, resulting in a structural shift of digital dividends. Based on this, this article proposes optimization paths from three dimensions: reshaping technological logic, reconstructing social support networks, and balancing institutional supply, in order to promote inclusive and sustainable development of the silver economy.