老年数字鸿沟抑制了家庭养老金融资产配置吗?  

Does the Old-age Digital Divide Inhibit Household Pension Financial Asset Allocation?

作　　者：朱文佩 林义[3] ZHU Wen-pei;LIN Yi(School of Public Administration,Southwestern University of Finance and Economics;“Economist”Magazine,Southwestern University of Finance and Economics;Research Center on Aging and Social Security,Southwestern University of Finance and Economics)

机构地区：[1]西南财经大学公共管理学院 [2]西南财经大学《经济学家》杂志社 [3]西南财经大学老龄化与社会保障研究中心

出　　处：《消费经济》2024年第3期75-87,共13页Consumer Economics

基　　金：国家社会科学基金重大项目(23ZDA099);教育部人文社会科学青年基金项目(23YJC840046);国家社会科学基金一般项目(22STA055)。

摘　　要：优化家庭养老金融资产配置是满足多元化养老保障需求、做好养老金融大文章的应有之义。在数字化与老龄化交互叠加、相互影响的背景下,本文利用CHFS数据,实证考察了老年数字鸿沟对家庭养老金融资产配置的影响。研究发现,老年数字鸿沟的存在会显著抑制家庭养老金融资产配置,具体表现为持有的养老金融资产规模减小、持有风险性养老金融资产的概率下降、持有养老金融资产的分散度降低,该回归结果经稳健性检验后依然成立。在作用机制上,老年数字鸿沟将通过造成金融排斥、增加家庭风险厌恶程度来抑制家庭养老金融资产配置。基于研究结论,提出多方协同助力跨越老年数字鸿沟、供需两侧发力推动养老金融普惠性提升、通过健全多层次养老保障体系来加速养老金财富积累等政策建议。Optimizing the allocation of household pension financial assets is a proper way to meet diversified old-age security needs and do a good job in aging finance.Against the background of the interactive superposition and mutual influence of digitization and aging,this paper empirically examines the impact of the digital divide on the allocation of household pension financial assets using CHFS data.It is found that the existence of the old-age digital divide significantly inhibits household pension financial asset allocation,which is manifested in the reduction of the size of pension financial assets held,the decrease of the probability of holding risky pension financial assets,and the decrease of the dispersion of pension financial assets held,and the regression results still hold after the robustness test.In terms of the mechanism of action,the old-age digital divide inhibits household pension financial asset allocation by causing financial exclusion and increasing household risk aversion.Based on the findings of the study,policy recommendations are proposed such as multi-party collaboration to help cross the old-age digital divide,promotion of aging financial inclusion on both sides of the supply and demand,and accelerating pension wealth accumulation through building a sound social security system.

关 键 词：老年数字鸿沟 家庭养老金融资产 人口老龄化 养老金融 养老保障体系 

分 类 号：F832[经济管理—金融学]