金融素养过度自信对城镇老人金融受骗的影响机制研究  

Research on the Impact Mechanism of Financial Literacy Overconfidence on Financial Fraud of Urban Elderly

作　　者：丁志宏 王伟成 张栋 Ding Zhihong;Wang Weicheng;Zhang Dong

机构地区：[1]中央财经大学社会与心理学院 [2]中国农业大学人文与发展学院

出　　处：《兰州学刊》2024年第1期104-115,共12页

基　　金：教育部人文社科重大研究项目“重度老龄化社会的新格局与新应对研究”(项目编号:22JJD840009)。

摘　　要：随着人口老龄化的加剧,以及数字金融普惠的发展,老年群体金融受骗问题越来越成为社会关注的重点。文章利用2021年中国养老金融调查(CAFS)数据,基于行为金融理论,考察了金融素养过度自信对我国城镇老年群体金融受骗的影响机制。结果发现,金融素养过度自信的城镇老年人更容易遭受金融诈骗,遭受损失也更大;在金融素养过度自信和老年人金融受骗之间,风险态度这一变量发挥着部分中介作用;且养老规划起到了负向调节作用。基于此,文章对防止老年人遭受金融诈骗提出了针对性的建议。With the aging of the population and the development of digital financial inclusion,the problem of financial fraud of the elderly has increasingly become the focus of social attention.Based on the data of the 2021 China Ageing Finance Survey(CAFS),this paper examines the impact mechanism of financial literacy overconfidence on financial fraud of urban elderly groups in China based on behavioral finance theory.The specific results are as follows:First,urban elderly people who are overconfident in financial literacy are more likely to suffer from financial fraud and suffer greater losses;Second,between financial literacy overconfidence and financial fraud of the elderly,the variable of risk attitude plays a partial mediating role;Third,pension planning has played a negative regulating role.Based on this,this paper puts forward targeted recommendations for preventing the elderly from financial fraud.

关 键 词：金融素养过度自信 金融受骗 风险态度 养老规划 

分 类 号：C913.6[经济管理]