我国老年人受金融排斥的现状及影响因素研究  

Research on the Current Situation and Influence Factors of Financial Exclusion of the Old People in China

作　　者：丁志宏 岳章 Ding Zhihong;Yue Zhang

机构地区：[1]中央财经大学社会与心理学院

出　　处：《兰州学刊》2025年第1期165-182,共18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：文章基于2019年的中国家庭金融调查数据,对我国老年人受金融排斥状况和影响因素进行了深入分析。结果表明,老年人受各类金融排斥最严重的地区依次是东北、中部、西部和东部地区。相较于城市,农村老年人受各类金融排斥的比例更高。老年人受金融排斥的水平高于中年人和青年人。在老年人内部,受负债类金融排斥的比例要远高于资产类金融排斥,男性、年龄越大、受教育水平越低、收入越少、财富水平越低的老年人受金融排斥的概率越大。少数民族、农村和西部地区的老年人由于政策照顾,受金融排斥的概率更低。回归分析显示,老年人口社会特征、经济因素、主观因素均对老年人是否受各类金融排斥有显著影响。基于现状和影响因素,文章提出了有针对性的建议。Based on the data of China’s household finance survey in 2019,this paper makes an in-depth analysis of the overall financial exclusion status and influencing factors of the elderly in China.The results showed that the elderly in Northeast China suffered the most severe financial exclusion,followed by the central,western and eastern regions.Older people in urban areas have lower rates of all types of financial exclusion than those in rural areas.Older people have higher levels of financial exclusion than middle-aged and young people.Among the elderly,the proportion of debt-related financial exclusion is much higher than that of asset-related financial exclusion.The probability of financial exclusion is higher for the elderly,the older they are,the lower the education level,the lower the income and the lower the wealth level.Ethnic minorities,the elderly in rural and western areas are less likely to be financially excluded as a result of the policy.Regression analysis shows that the social characteristics,economic factors and subjective factors of the elderly population have significant effects on the financial exclusion of the elderly.Based on the current situation and influencing factors,this paper puts forward some specific suggestions.

关 键 词：老年人 金融排斥 资产类金融排斥 负债类金融排斥 

分 类 号：C913[经济管理]