金融适老化改造助力银发经济开启“新蓝海”的研究

打开文本图片集

中图分类号：F830；F832 文献标识码：A 文章编号：1004-0714（2025）10-0074-04

Abstract：The issuanceof thefirst“Silver Economy”policydocument in2024 marks the beginningof China's Silver Economy era.Inthe same year，the connotation of“pension finance”policieswasclarified，with frequent introduction of relevant financial support policies，aiming to further improve pension finance work. Financial institutions play a key rolein supportingthe silver economy， providing solid material support forit frombothdemand and supply sides.Thispaper eviews theevolution of China^s pension policies regardingthe“silver economy”over different periods，aswell as thedeepening process ofifinancial supportfor pension policies.It suggests that China’s financial senior-friendly transformation is at an early stage， but enhancing the senior-friendly level of inancecaneffectively release suppressed demandfor elderly consumptionandstimulatethedevelopmentmomentumandvitalityofthesilvereconomy.Bycontinuouslyopti mizingsenior-friendly financial products financial funds， ervices and environments，the senion friendly transformation of finance can be strengthened，forming a joint effort to establish an seniorfriendly financial system that suits China's national conditions and truly activate the“new blue ocean”of thesilver economy.

Keywords：Silver Economy;Financial Senior-Friendly：Financial Senior-FriendlySystem;PensionFinance

一、引言

2024年12月11日，中央经济工作会议明确提出积极发展银发经济，这是继2023年中央经济工作会议、2024年政府工作报告和中央1号文后再次聚焦银发经济。（剩余7086字）