数字金融发展对老年家庭金融健康的影响研究

Research on the Impact of Digital Financial Development on the Financial Health of the Elderly Households

基于宏微观匹配数据,从多维数字鸿沟视角实证检验数字金融发展对老年家庭金融健康的影响程度及其微观作用机制。结果显示:老年家庭金融健康水平整体呈现“东部高中西部低、城镇地区高农村地区低”的分布特征;数字金融发展能够有效促进老年家庭金融健康;作用机制在于数字金融发展能够缓解融资约束、优化风险识别能力,并提高金融操作便利性。进一步分析表明,数字金融发展还表现出一定的普惠性特征,但尚未打破空间限制,仅对城镇等互联网发达地区及人力资本水平较高的非贫困家庭的金融健康水平产生了更显著的作用,充分体现了破除老年数字鸿沟的紧迫性。

Based on macro and micro matching data,the study empirically examines the extent of the impact of digital financial development on the financial health of the elderly households and its mechanism of action from the perspective of multidimensional digital divide.The study finds that the financial health level of the elderly households has the distribution characteristics of being“high in the east region,low in the middle and west region,and high in the towns and low in the countryside”;digital financial development can effectively improve the financial health of the elderly households,and the mechanism test shows that the digital financial development can alleviate the constraints of financing,optimize the ability of risk identification,and improve the convenience of financial operations.Further analysis reveals that digital financial development has demonstrated certain inclusive characteristics,but has not yet broken the spatial limitations,and has only had a more significant effect on the financial health of developed Internet areas such as towns and cities,as well as on the financial health of non-poor households with a higher level of human capital,which fully reflects the urgency of bridging the digital divide of the elderly households.