近日，第三届中国保险养老融合与发展论坛在天津成功举办，经济学家、国务院参事室特约研究员、国家统计局原总经济师姚景源在论坛上发表主旨演讲，强调“老年人不是包袱，而是‘富矿’”。这一观点在当前中国老龄化社会背景下，为银发经济的发展提供了新的视角和思考。
姚景源指出，随着中国社会进入老龄化阶段，老年人口数量不断增加，对社会经济的影响日益显著。然而，传统观念中将老年人视为负担的思维模式正在逐渐转变。姚景源认为，老年人不仅在社会经验、知识技能等方面拥有丰富的资源，更在消费市场、创新领域、社会服务等方面具有巨大的潜力。
### 银发经济潜力巨大
银发经济是指针对老年人群体需求而产生的各类经济活动的总称，涵盖了健康、养老、旅游、教育、文化、科技等多个领域。姚景源强调，发展银发经济不仅能够有效促进经济结构的优化升级，还能通过创新服务模式、推动产业升级，为社会创造新的经济增长点。
在论坛上，姚景源还提出了几点建议，包括加强老年教育，提升老年人的数字素养和终身学习能力；优化养老服务体系，提高养老服务的质量和效率；鼓励老年人才参与社会创新，激发老年人的潜能和创造力；以及探索适合中国国情的养老金融产品，为老年人提供更加安全、便捷的金融保障。
### 结语
姚景源的这一观点和建议，为当前社会老龄化趋势下的经济发展提供了新的思路和方向。通过挖掘和利用老年人这一“富矿”，不仅能够满足老年人群体的多样化需求，还能够推动经济的可持续发展，实现社会的和谐进步。银发经济的潜力巨大，期待未来能够有更多创新举措和政策支持，促进这一领域的健康发展。
英语如下：
### Elderly as a “Rich Mine”: Yang Jingyuan Highlights the Potential of the Silver Economy
In the backdrop of the successful third iteration of the China Insurance and Aging Integration and Development Forum held in Tianjin, economist, State Council Research Institute’s special appointee, and former Chief Economist of the National Bureau of Statistics, Yang Jingyuan, delivered a keynote speech emphasizing that “the elderly are not a burden, but a ‘rich mine'”. This perspective, particularly relevant in the context of China’s aging society, offers a fresh perspective and insights into the development of the silver economy.
Yang Jingyuan noted that as China transitions into an aging society, the number of elderly people is on the rise, significantly impacting the socio-economic landscape. Traditionally, the view of the elderly as a burden is gradually shifting. Yang argues that the elderly are not only rich in life experience and professional skills but also hold immense potential in the consumer market, innovation, and social services.
### Vast Potential in the Silver Economy
The silver economy refers to all economic activities catering to the needs of the elderly population, encompassing sectors such as health, retirement, travel, education, culture, technology, and more. Yang Jingyuan stresses that the development of the silver economy not only promotes the optimization and upgrading of economic structures but also creates new growth points through innovative service models and industry upgrades.
During the forum, Yang also suggested several strategies, including enhancing elderly education to improve digital literacy and lifelong learning capabilities; refining the elderly care service system to enhance the quality and efficiency of services; encouraging elderly talent to participate in societal innovation, unleashing their potential and creativity; and exploring tailored financial products for the elderly that are suitable for China’s national conditions, ensuring them safe and convenient financial protection.
### Conclusion
Yang Jingyuan’s insights and recommendations provide new avenues for economic development in the face of the current demographic trend. By tapping into the “rich mine” of the elderly population, not only can the diverse needs of this group be met, but it also contributes to sustainable economic growth and social advancement. The potential of the silver economy is vast, and it is hoped that with more innovative initiatives and supportive policies, this sector can thrive.
The translation of the provided information into English is as follows:
【来源】http://www.chinanews.com/cj/2024/07-07/10247578.shtml
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