中国“银发经济”的现状、问题与前景

Current Situation,Problems and Prospects of“Silver Economy”in China

医疗技术的不断进步与社会保障制度的逐步完善,使中国老年群体的寿命明显延长、人数急剧增长。随着“银发群体”消费能力和消费观念的转变,该群体的巨大消费潜力也日益显现,且有望成为未来消费市场中的重要组成部分。开发好老年市场、服务好老年群体,需尽快解决好“银发市场”现存的问题,确定好“银发经济”市场未来的发展方向。针对当前存在的市场占有率不足、欺诈现象较多以及产品结构不合理等问题,提出应继续加强政府扶持力度和监管工作,提升企业精准化产品及服务供给,并促进人才培养。积极老龄化政策要求未来中国“银发经济”需朝着专门服务老年人的教育、旅游娱乐、房地产和医疗保健等多元化方向发展,促进“银发市场”形成完整的老年产业集群,以推动“银发经济”的蓬勃发展,为中国社会经济发展带来新的增长点。

With the continuous progress of medical technology and the gradual improvement of social security system,the life expectancy of the elderly in China has been significantly prolonged and the number of the elderly people has sharply increased.As the consumption ability and consumption concept of the“silver group”change,this group shows huge consumption potential and is expected to become an important part of the future consumer market.To develop the elderly market and serve the elderly group well,it is necessary to solve the existing problems of the“silver market”as soon as possible and determine the future development direction of the market of the“silver economy”.In view of existing problems such as insufficient market share,many frauds and unreasonable product structure,the paper proposes that it should be essential to continue to strengthen government support and supervision,improve the supply of precise products and services for enterprises,and promote the cultivation of talents.At the same time,the active aging policy requires that in the future,China’s“silver economy”should develop in diversified directions,paying attention to education,tourism and entertainment,real estate and medical care which are specialized for serving the elderly,and strive to form a complete industrial cluster for the elderly,so as to promote the vigorous development of the“silver economy”and bring new growth points to China’s social and economic development.