社会支持对中老年人养老理财方式选择的影响研究

A study on the influence of social support on the choice of old-age financing mode for middle-aged and elderly people

目的了解不同社会支持水平对中老年人养老理财方式选择的影响。方法采用自行设计问卷,于2017年6～7月通过便利抽样方法选取300名北京市房山区中老年居民进行问卷调查,回收有效问卷294份,有效回收率为98%。使用χ~2检验分析影响中老年人养老理财方式选择的因素。结果在人口统计学特征方面,不同婚姻状况和最大经济来源的中老年人养老理财方式的选择差异有统计学意义(P <0.05);在社会支持方面,不同支持水平的中老年人养老理财方式的选择差异有统计学意义(P <0.05)。结论中、高水平社会支持的中老年人的理财方式更分散多样;而低水平社会支持的中老年人的理财方式较单一。总体上看,中老年人的理财方式选择还处在初级阶段,老龄金融市场发展潜力巨大。

Objective To understand the impact of different levels of social support on elderly people′s choice of financing. Methods A self-designed questionnaire was used to select 300 middle-aged and elderly residents in Fangshan district of Beijing from June to July 2017 through convenient sampling method, 294 valid questionnaires were recovered, with an effective recovery rate of 98%,χ2 was used to analyze the factors influencing the choice of elderly financing. Results In terms of demographic characteristics, there were statistically significant differences in the choice of old-age financing modes among middle-aged and elderly people with different marital status and the largest source of income (P < 0.05). In terms of social support, middle-aged and elderly people with different levels of support had statistically significant differences in the choice of old-age financing mode (P < 0.05). Conclusion The middle-aged and senior citizens with high level of social support have more diversified financial management methods. The elderly with low level of social support have a single way of financing. In general, the choice of financial management methods for middle-aged and elderly people is still in the primary stage, and the old age financial market for the elderly has great potential for development.