数字普惠金融会提高老年人幸福感吗——基于CHFS及DFIIC数据的实证研究  

Does Digital Financial Inclusion Improve the Happiness of the Elderly——Evidence from the Data of CHFS and DFIIC

作　　者：方能胜[1] 郭福森 路晓蒙[2] Fang Nengsheng;Guo Fusen;Lu Xiaomeng

机构地区：[1]西南财经大学金融学院 [2]西南财经大学中国家庭金融调查与研究中心

出　　处：《财经科学》2022年第8期32-46,共15页Finance & Economics

基　　金：国家自然科学基金项目“风险经历与中国家庭金融行为研究——基于群体性和个体性的视角”(72003149)的资助。

摘　　要：本文基于北京大学中国数字金融普惠指数(DFIIC)和西南财经大学中国家庭金融调查(CHFS)数据,深入分析了数字普惠金融对老年人幸福感的影响。实证研究发现,数字普惠金融的发展显著提高了非老年群体的幸福感,但对老年人幸福感的影响呈现先上升后下降的倒“U”型关系,整体上显著降低了老年人的幸福感,体现了老年群体中数字鸿沟的存在。进一步分析发现,有一定学历、社会互动高以及偏好风险的老年群体,能缓解数字普惠金融快速发展带来的幸福感下降问题。本文的研究结论为发展适合的数字普惠金融减少老年人数字鸿沟提供了一定的参考价值。Based on the data of Peking University Digital Financial Inclusion Index of China(DFIIC)and China Household Financial Survey(CHFS)of Southwestern University of Finance and Economics,this paper deeply studies the influence of digital financial inclusion on the happiness of the elderly.The empirical study finds that the development of digital inclusive finance significantly improves the happiness of non-elderly groups,but the impact on the happiness of the elderly shows an inverted U shape,which significantly reduces the happiness of the elderly on the whole,reflecting the existence of digital divide in the elderly group.Further analysis shows that the elderly group with school education,higher social interaction and risk preference are more significantly to ease the decline of happiness caused by the development of digital inclusive finance.The research conclusion provides some reference for developing suitable digital inclusive finance to reduce the digital divide among the elderly.

关 键 词：数字普惠金融 老年人幸福感 数字鸿沟 

分 类 号：F832.5[经济管理—金融学]