数字鸿沟会加剧老年家庭金融脆弱性吗?  

Does the Digital Divide Exacerbate the Financial Vulnerability of Older Households?

作　　者：龙海明[1] 闫文哲 LONG Haiming;YAN Wenzhe(College of Finance and Statistics,Hunan University)

机构地区：[1]湖南大学金融与统计学院,湖南长沙410000

出　　处：《金融研究》2024年第11期132-150,共19页Journal of Financial Research

摘　　要：降低老年家庭金融脆弱性对于防范化解老年家庭金融风险、增进民生福祉至关重要。在老龄化与数字化交织背景下,基于家庭微观数据,本文从可及性和使用度两个层面构建家庭数字鸿沟指数,实证分析数字鸿沟对老年家庭金融脆弱性的影响,并探讨其微观作用机制。研究发现,数字鸿沟会显著加剧老年家庭金融脆弱性,对农村、低人力资本以及未购买商业保险等相对弱势的老年家庭而言,这种影响更为明显。上述影响的作用机制体现在三个方面:弱化社会网络、加重健康风险和扩大金融排斥。进一步分析表明,不同子维度的数字鸿沟均会加剧老年家庭金融脆弱性。本研究期望为缩小数字鸿沟、降低老年家庭金融脆弱性的政策设计提供有益参考。The financial vulnerability of older households is an important dimension in measuring the financial risk of older households.Since the turn of the 21^(st)century,the degree of aging population in China has become increasingly severe,accompanied by challenges such as“growing old before becoming wealthy”and“growing old before being adequately prepared.”Factors such as insufficient reserves of old-age wealth,the relatively low financial literacy of the population,and increased health risks will all lead to an increase in the financial vulnerability of older households and a further accumulation of household financial risks.It is worth noting that,against the background of rapid population ageing in China,digital technology is also developing rapidly with the continuing expanding scale of the digital economy.Objectively speaking,the development of the digital economy,represented by digital finance,has significant“inclusive”characteristics,which can improve the financial accessibility of disadvantaged groups and thus enhance their ability to cope with risks.However,due to the influence of culture,skills,tools and health-related factors,older households,especially those in rural areas,face a substantial gap in digital access and usage compared to other groups,highlighting the problem of the digital divide among old age.The existence of the digital divide not only prevents older households from benefiting from digital advancements,but also deprives them of their existing resources,resulting in damage to household welfare.Therefore,it is necessary to explore in depth whether the digital divide affects the financial vulnerability of older households,and if it does,what is the specific mechanism of action?Addressing the above questions is of great significance in preventing and resolving household financial risks and enhancing societal well-being.This paper uses data from the 2017 and 2019 China Household Finance Survey(CHFS)to construct a household digital divide index and explore the impact of the digital di

关 键 词：数字鸿沟 老年家庭 金融脆弱性 

分 类 号：F832[经济管理—金融学] F832.2