人口老龄化背景下银发经济发展的内在机理与优化路径探析
Analysis on the Internal Mechanism and Optimization Path of Silver Haired Economy Development under the Background of Population Aging

伴随着我国人口老龄化程度的持续加深，“银发经济”作为一种新的经济形态，正逐渐成为推动社会发展的新引擎。本文在深入剖析人口老龄化背景下银发经济运行的内在机理，即合理把握和发挥人口老龄化带来的庞大消费群体和数字经济内驱动力作用的基础上，强调应着力破解产业供给端发展不平衡、政府政策和监管缺乏力度、市场规范化程度低、老年群体数字化失能仍然存在等现实困境，通过掌握市场运行规律、健全制度政策体系、跨越数字鸿沟障碍等方面优化银发经济高质量发展的路径，以期对应对人口老龄化挑战、挖掘银发经济潜力。
With the continuous deepening of China’s aging population, “silver economy” as a new economic form is gradually becoming a new engine to promote social development. On the basis of in-depth analysis of the internal mechanism of silver economy operation under the background of population aging, that is, reasonably grasping and giving full play to the role of the huge consumer group and digital economy brought by population aging, this paper emphasizes that we should focus on breaking the realistic dilemmas such as unbalanced development of industrial supply side, lack of government policies and regulations, low degree of market standardization, and digital disability of elderly groups. Through mastering the rules of market operation, improving the system and policy system, and crossing the digital divide, we can optimize the path of high-quality development of silver economy, so as to cope with the challenges of population aging and tap the potential of silver economy.