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PDF(589 KB)
PDF(589 KB)
发展银发经济应对人口老龄化的思考与建议
Reflections and Suggestions on Developing the Silver Economy to Cope with Population Aging
人口老龄化为经济社会发展带来了挑战与机遇，发展银发经济是增进老年人福祉、积极应对人口老龄化、推动经济社会高质量发展的重要手段。我国银发市场呈现需求主体规模庞大、需求结构转型升级、个性化与数字化需求凸显等基本态势，面临着银发产品和服务供给不够充分、银发产业缺乏科技支撑与金融支持、有关政策设计与标准体系相对滞后等突出挑战。本文进一步梳理了发展银发经济应对人口老龄化的国际经验，即重视科技应用与智慧养老、完善银发产品与服务供给、推广技术适老化与养老金融、健全政策设计与标准规范。在此基础上提出了促进我国银发经济发展的对策建议：加强工程科技研发与应用、响应市场需求，优化银发产品与服务供给、促进供需平衡，发展技术适老化与养老金融、激发市场活力，细化政策设计与标准规范、保障有序发展。
Population aging brings challenges and opportunities for economic and social development, and developing the silver economy is an important means to promote the well-being of the seniors, actively respond to population aging, and promote high-quality economic and social development. Currently, China's market regarding the aging population presents the trends of an increasing scale of demand subjects, transformation and upgrading of the demand structure, and highlighting of personalized and digital demand, and faces prominent challenges including insufficient supply of products and services dedicated for the seniors, lack of technological and financial support, and inadequate policies and standards systems. This study summarizes the international experience in developing the silver economy to cope with population aging, i.e., emphasizing the application of science and technologies and smart senior care, improving the supply of products and services for the seniors, promoting technological and financial support, and improving policy designs and relevant standards. On this basis, we propose the following countermeasures to promote the development of China's silver economy: (1) strengthening the research and application of engineering science and technologies to respond to market demand, (2) optimizing the supply of products and services for the seniors to balance supply and demand, (3) developing aging-adapted technologies and pension finance to stimulate market vitality, and (4) improving policy designs and relevant standards to ensure orderly development.
人口老龄化 / 银发经济 / 数字技术 / 养老金融 / 政策支持
population aging / silver economy / digital technology / pension finance / policy support
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