北京市城镇老年人理财影响因素分析  

Factors Associated to Financial Market Participation of Elderly People in Urban Beijing

作　　者：程云飞[1] 陈功[1] 熊晓晓 

机构地区：[1]北京大学人口研究所,北京100871

出　　处：《人口与社会》2018年第1期41-52,共12页Population and Society

基　　金：国家自然科学基金项目(71661167003);社科基金重大项目(14ZDA091)

摘　　要：在老龄化社会背景下,老年人理财对于老年人的晚年生活有着重要意义。通过2015年第四次中国城乡老年人生活状况抽样调查北京地区数据进行城镇老年人理财影响因素的分析,结果发现不同年龄段对老人是否理财的影响不完全一致,而受教育程度较高的老人、自评经济状况较好的老人、有存款的老人、名下有住房的老人、购买过商业保险的老人以及经常使用互联网的老人更倾向于理财。相关的行业应该充分把握不同特征人群的理财特点与影响因素,更好地开发老年理财产品,发掘老年客户。Under the background of aging society,financial market participation for elderly people becomes important. Based on the fourth national urban/rural sample survey of life situation of elderly at Beijing region in 2015,this paper tries to find out the factors related to the participation of financial market for elderly people. The result shows that the influerve of different age group for the elderly financial management is not the same,educational background,self-rated economical status,bank saving,house property,commercial health insurance,frequency of internet using are the main factors associated to the financial market participation of elderly people. Basing on these associated factors,relevant industries should develop the potential of financial market participation of elderly people and design better products.

关 键 词：老年人理财 老年人资产 养老钱 老龄金融 晚年生活 

分 类 号：C913.6[经济管理]