金融素养如何提升老年人的社会参与水平?

How Can Financial Literacy Improve the Level of Social Participation of the Elderly?

少子老龄化的人口结构带来的直接问题即是,如何将被动养老转变为积极主动的社会融入,如何提升老年人的社会参与水平,本文基于中介效应模型和中国家庭追踪调查数据(CFPS2018)从微观层面研究了金融素养对老年人社会参与的影响路径。实证结果表明,老年人的金融素养普遍较低,社会参与水平不高,但是可以通过提升金融素养来改善老年人的社会参与;中介效应模型的结果显示,金融素养主要通过提高互联网使用和养老保险购买两条路径促进老年人的社会参与,增强老年人的社会适应能力,这意味着,缩小老年人的数字鸿沟是应对当前快速老龄化的一个积极选择。

A direct problem brought about by the population structure of aging with few-children is how to transform passive old-age care into active social integration and how to improve the level of social participation of the elderly,and this paper studies the impact path of financial literacy on improving the social participation of the elderly from the micro level based on the intermediary effect model and data from China Family Panel Studies(CFPS2018).The empirical results show that the financial literacy of the elderly is generally low and the level of social participation is not high,but the social participation of the elderly can be improved by improving financial literacy,and the results of the intermediary effect model show that financial literacy mainly promotes the social participation of the elderly through improving the Internet use and the purchase of old-age insurance,and enhances the social adaptability of the elderly,which means that bridging the digital divide among the elderly is a positive choice to cope with the current rapid aging.