老年家庭金融健康水平及其影响因素分析——基于浙江衢州3657户老年家庭的调查  

The Level and Influencing Factors of Financial Soundness in Chinese Elderly Families——Based on a Survey of 3,657 Elderly Families in Quzhou,Zhejiang Province

作　　者：刘芬[1] 胡迪 张创 詹知巡 

机构地区：[1]中国人民银行衢州市分行,浙江衢州324000

出　　处：《浙江金融》2025年第1期21-28,共8页Zhejiang Finance

摘　　要：近年来,我国家庭凸显出小型化和老龄化的特征,与世界各国总体趋势相同,但变化幅度更大。小型化表现为单身化、少子化、多代共居减少等家庭结构及关系演变引发的家庭人口数减少;老龄化主要体现为我国的人口年龄中中位数和老年抚养比呈现持续上升态势。老龄化的加剧将与小型化产生共振,对社会抚养关系形成严峻挑战,而不同的家庭结构和关系意味着不同的经济活动特征和金融需求。本文以60周岁及以上的老年家庭1为研究对象,从金融健康2角度入手,通过对衢州市3657户老年家庭开展问卷调查,对老年家庭金融健康状况的主要影响因子进行实证分析,并提出改善老年家庭金融健康状况的建议。In recent years,Chinese families have highlighted the characteristics of miniaturization and aging,the same overall trend of all countries in the world,but the range of change is greater.Miniaturization shows the decrease of family population caused by the evolution of family structure and relationship,such as single,fewer children and multi-generation residence reduction;while aging is mainly reflected in the median age and the old age dependency ratio in China.The aggravation of aging will resonate with the miniaturization,forming a severe challenge to the social dependency relationship.And different family structure and relationship means that different economic characteristics and financial needs,this paper to 60 years of older family as the research object,from the perspective of financial health,through to Quzhou City 3657 elderly families to carry out the questionnaire survey,the elderly family financial health factor regression analysis,put forward suggestions to improve the elderly family financial health.

关 键 词：老年家庭 金融健康 金融素养 

分 类 号：F830.2[经济管理—金融学]