互联网社会参与对老年家庭风险资产配置的影响和机制研究  

A Study of the Impact and Mechanisms of Online Social Participation on Risky Investment in Elderly Households

作　　者：原新[1] 张圣健 Yuan Xin;Zhang Shengjian(School of Economics,Nankai University)

机构地区：[1]南开大学经济学院

出　　处：《开放时代》2024年第3期167-181,M0007,M0008,共17页Open Times

基　　金：国家社科基金重大项目“研究阐释党的十九届六中全会精神”(项目编号:22ZDA098)的阶段性成果。

摘　　要：老年人互联网使用的本质是通过线上渠道进行社会参与。本文使用“中国家庭金融调查”2017年数据,检验老年人互联网社会参与对老年家庭风险资产配置的影响。研究发现:互联网社会参与能显著提高老年家庭进行风险资产配置的概率和风险资产占家庭金融资产的比例;互联网社会参与对不同老年群体的影响均显著,但异质性较弱;其影响通过收益风险机制传导,风险偏好、金融信息和金融素养三个变量的中介效应显著;正式参与和非正式参与均对老年家庭风险资产配置有促进作用,但前者弱于后者。在数字经济时代,实施积极应对人口老龄化的国家战略时,老年社会参与不仅是要求,还是手段。应当大力推进互联网和金融适老化,实施针对性措施,普及金融知识,促进老年家庭资产合理配置,增加经济保障渠道。Senior adults use the internet as a means of online social participation.Based on the data from China Household Finance Survey 2017,this paper examined how senior adults'online social participation has impacted their household risk investment.The results indicate that(1)online social participation significantly increases the probability of risk investment and its proportion in household financial assets among elderly households;(2)the impact of online social participation is significant among different elderly groups,but with low heterogeneity;(3)the effect is transmitted through the return-risk mediating mechanism which includes three variables:financial information,risk preference,and financial literacy;and(4)both formal and informal participation have a facilitating effect on household risk investment,but the former is weaker than the latter.In the era of digital economy and the implementation of the national strategy on population aging,social participation of the elderly is not only an end but also a means.Online age-friendly finance should be vigorously promoted,elderly people of different ages and in different regions should be targeted,financial literacy should be popularized,and rational allocation of assets of the elderly families should be encouraged to increase the channels of economic security.

关 键 词：老年社会参与 老年经济保障 家庭投资 金融素养 

分 类 号：D669.6[政治法律—政治学] F49[政治法律—中外政治制度] F126[经济管理—产业经济] F832