Abstract: The aging of the population in China is becoming increasingly serious. Compared with urban areas, the aging of rural areas is even more serious. Starting with the concept of services for the elderly with smart technology, relying on modern information technology and traditional pension industry, through the analysis of the necessity of implementing the smart model in rural areas, we will build a smart old-age pension model in rural areas, from the economic basis, institutional design, and infrastructure. From the angle of the elderly, further analysis may constrain factors in the development of smart pension models, and put forward suggestions for accelerating the implementation of new rural construction, rejuvenating the rural economy, strengthening the government’s top-level system, activating rural old-age resources, and actively eliminating the silver digital divide.

Key words: rural retirement, services for the elderly with smart technology, mode