银发经济时代数字赋能老年消费提质的探讨及策略
陈光荣
长沙民政职业技术学院 商学院, 湖南 长沙 410004
起止页码: 19--22页
DOI:
摘要：
在人口老龄化深化与数字化技术发展的背景下，为释放老年消费市场潜力、推动银发经济可持续发展，针对老年消费存在的数字鸿沟、市场创新不足、消费多元化与观念保守并存等特点，以及数字接入能力不足、移动支付渗透率低、适老化产品供给失衡、消费观念保守且风险感知强等老年群体数字化消费困境，通过加强数字基础设施建设、开展老年数字素养培训、优化适老化产品设计、推广安全支付工具、改造线下支付场景、发展“互联网+养老”新业态等策略，可提升老年人数字接入能力与消费体验，释放其消费潜力，为银发经济可持续发展提供支持。
Strategies on Empowering the Quality Improvement of Elderly Consumption through Digitalization in the Silver Economy Era
CHEN Guangrong
Changsha Social Work College, Changsha, Hunan 410004, China
Abstract:
Against the backdrop of increasing population aging and the development of digital technologies, it is crucial to unlock the potential of the elderly consumer market and promote the sustainable development of the silver economy. In the light of the characteristics of the elderly consumption market such as digital divide, insufficient market innovation, coexistence of consumption diversification and conservative concepts, as well as the digital consumption predicaments faced by the elderly group including insufficient digital access capabilities, low penetration rate of mobile payments, imbalance in the supply of age-friendly products, conservative consumption concepts and strong risk perception, strategies should be taken to enhance the digital access capabilities and consumption experience of the elderly, unlock their consumption potential, and provide support for the sustainable development of the silver economy, such as strengthening digital infrastructure construction, conducting digital literacy training for the elderly, optimizing the design of age-friendly products, promoting secure payment tools, transforming offline payment scenarios, and developing new business forms of “Internet + elderly care”.
收稿日期: 2025-8-14
基金项目: 长沙民政职业技术学院2025年校级自科、社科研究项目“长沙市老年消费数字化转型的路径建构”(25mypy96)
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