精准施策发展银发经济

Core Viewpoint - The silver economy is experiencing significant development across various regions in China, driven by policies, market dynamics, and demand, making its advancement over the next five years a logical necessity [1][2]. Historical Logic - The silver economy originated from elderly welfare and care services, evolving into an upgraded version of the aging industry. The initial welfare system targeted vulnerable elderly groups, and over the years, the focus has shifted from government-led aging initiatives to a multi-entity supply model [1]. - The expansion of the silver economy is evident as it encompasses various sectors such as elderly care services, senior products, elder technology, and financial services, with a notable policy framework established by the State Council in early 2024 [1]. Theoretical Logic - The silver economy is characterized by its dual attributes of market and welfare, making it a long-cycle, stable-return sector. It represents an innovative attempt to construct a welfare economic paradigm unique to China, transforming the challenges of an aging population into developmental advantages [2]. Practical Logic - The development of the silver economy is crucial for supporting China's modernization through high-quality population development. It aims to convert elderly consumption and investment into new momentum for modernization, shifting the elderly from passive beneficiaries to active contributors [2]. Challenges and Policy Recommendations - The silver economy is still in its early stages in China, facing issues such as insufficient effective demand, suboptimal market supply, and lack of systematic policy support. To accelerate its development, three key strategies are proposed: - Increase government public consumption support to enhance elderly income and consumption capabilities through targeted fiscal measures [3]. - Promote "age-friendly" industrial policies to address the growing demand for products and services tailored to the elderly, including entertainment, education, and suitable living environments [3]. - Establish a guiding statistical monitoring system to better track the silver economy's trends and developments, utilizing various data sources and innovative technologies [4].