中国老年人参与互联网金融影响因素研究——以理财产品为例

互联网金融是老年人减少金融排斥,享受普惠金融的重要途径。但是目前我国老年人对互联网金融的优点认识不足,参与率过低。为探究中国老年人参与互联网金融的影响因素,基于中国家庭金融调查2017年数据,从个人禀赋、家庭支持和区域发展三个角度构建了多维解释模型,使用分层Logit模型进行验证。研究结果显示:第一,受教育程度高和金融素养高的老年人参与互联网金融可能性更大;第二,家庭总收入越高、与子女同住和与孙辈同住均可提高老年人参与互联网金融的比例;第三,信息社会化指数越高省份的老年人越容易参与互联网金融。第四,随着年龄的增大,老年人个人禀赋的影响减小,而家庭支持和区域发展的影响始终显著。根据上述研究结果,本文提出了有针对性的建议。

Research on the Influencing Factors of Chinese Elderly Participating in Internet Finance:Based on the Data of CHFS in 2017

Internet finance is an important way for the elderly to reduce financial exclusion and enjoy inclusive fi?nance.However,at present,the elderly in China have insufficient understanding of the advantages of Internet finance and their participation rate is too low.In order to explore the influencing factors of Chinese elderly's participation in In?ternet finance,based on the data of China Household Finance Survey in 2017,this paper constructs a multi-dimension?al interpretation model from three angles of personal endowment,family support and regional development,and verifies it by using a hierarchical Logit model.The results show that:firstly,the elderly with high education and financial litera?cy are more likely to participate in internet finance;Secondly,the higher the total family income,living with children and grandchildren can increase the proportion of elderly people participating in internet finance;Thirdly,the higher the information socialization index,the easier it is for the elderly in provinces to participate in internet finance.fourthly,with the increase of age,the influence of personal endowment of the elderly decreases,while the impact of family sup?port and regional development is always significant.Based on the above research results,this paper puts forward some pertinent suggestions.