积极老龄化视域下我国银发经济与养老保障体系协同发展研究

Research on the Synergistic Development of China’s Silver Economy and Elderly Care Security System from the Perspective of Active Aging

摘要: 随着我国人口老龄化进入深度发展阶段，传统养老保障模式供需失衡、养老服务供给单一、老年消费市场发展滞后等问题日益凸显，单纯依靠社会保障兜底的养老模式已无法适配新时代老龄社会发展需求。积极应对人口老龄化国家战略明确提出要推动银发经济高质量发展，构建多层次、多元化养老服务与保障体系。本文基于积极老龄化理论，结合我国人口老龄化发展现状、人口统计数据与未来发展趋势，系统剖析银发经济与养老保障体系的耦合逻辑、协同价值与现实困境，从顶层政策、优化结构、技术赋能、代际协同四个维度，探索二者深度融合的发展路径。研究表明，银发经济与养老保障体系协同发展，能够有效破解养老资源短缺、保障效能不足、老年群体生活质量偏低等难题，激活老年人力资源与消费市场，助力老龄社会治理现代化。本文旨在为我国养老政策优化、银发产业升级、适老化服务落地提供理论参考与实践思路。

Abstract: As China’s population aging enters a profound stage, challenges such as supply-demand imbalances in traditional elderly care systems, limited diversity of service offerings, and lagging development of the senior consumer market have become increasingly prominent. The conventional model relying solely on social security for elderly care can no longer meet the demands of modern aging society. The National Strategy for Actively Responding to Population Aging addresses this by advocating high-quality development of the silver economy and establishing a multi-tiered, diversified elderly care system. Grounded in active aging theory and analyzing China’s current demographic trends, statistical data, and future prospects, this study systematically examines the synergistic relationships, collaborative value, and practical challenges between the silver economy and elderly care systems. It explores integrated development pathways across five dimensions: industrial convergence, policy refinement, service enhancement, technological empowerment, and intergenerational collaboration. Research demonstrates that coordinated development between the silver economy and elderly care systems effectively addresses issues like resource shortages, inadequate support mechanisms, and suboptimal quality of life among seniors, while unlocking potential in elderly labor resources and consumer markets to advance modernized aging governance. This paper provides theoretical insights and practical recommendations for optimizing China’s elderly care policies, upgrading the silver economy sector, and implementing age-friendly services.