The development of China’s silver economy is characterized by diverse local practices, where the industry, finance, and consumption sectors often advance in isolation, lacking systemic synergy. To address this predicament, this paper constructs a synergistic “industry-finance-consumption” development framework, systematically analyzing the functional interdependence and systemic coupling mechanisms among these three pillars. The framework conceptualizes their roles through a “hematopoiesis-transfusion-activation” metaphor: the silver industry engages in “hematopoiesis” by supplying products and services; silver finance provides “blood transfusions” to the industry via diversified financing channels; and silver consumption exerts a “blood activation” effect by driving demand, thereby collectively supporting a self-sustaining economic loop. However, the development of each sector faces significant obstacles. The silver industry grapples with a shortage of long-term capital, low-end structures, and disconnected value chains. Silver finance is marked by a supply-demand mismatch, a deviation from its pension-oriented objectives, and financial exclusion. Concurrently, the potential of silver consumption remains largely untapped due to consumption traps and conservative attitudes. Furthermore, synergy among these three pillars is impeded by the absence of effective linkage mechanisms, information barriers, and policy fragmentation, preventing the systemic cycle from forming a closed loop. Therefore, this paper advocates for a systemic governance approach to address these bottlenecks, resolve challenges, and alleviate pain points. This necessitates strengthening top-level design, establishing a cross-departmental collaborative governance platform, implementing a systemic policy support system, and embedding a life-cycle perspective into institutional design. Only by forging integrated circular linkages among industry, finance, and consumption, can we cultivate a sustainable, inclusive, and resilient paradigm for the silver economy, thus comprehensively enhancing the well-being of the elderly.