数字养老金融对城镇银发经济的影响研究
Research on the Impact of Digital Pension Finance on Urban Silver Economy

人口老龄化的快速发展使得数字化养老发展成为新蓝海，老年人占总人口的比重日益上升，故探究数字养老金融对于城镇银发经济的影响是在推动老年经济发展的主基调下的重要议题。本文主要讨论以下两个问题：一是数字化养老金融产品对于城镇银发经济是否有促进作用；二是探究数字养老金融对城镇银发经济的影响程度。文章通过大批量发放问卷的形式，采集城镇居民的数字化养老金融产品覆盖率、数字化养老金融产品使用率、数字化养老金融服务满意度、数字化养老金融科技应用以及数字化养老金融风险管理数据，以这五个指标作为主自变量，这是本文在自变量研究上的创新点。数据实证表明，目前我国数字化养老金融产品使用整体普及率不及预期。此外，数字化养老金融科技应用整体水平较低，养老产业模式不清晰和难以识别、老年人群有效认知模糊是社会养老服务领域一直不温不火的重要原因。因此，进一步推进数字助老经济的顶层设计是我们的当务之急。
The rapid development of population aging has made the development of digital pension a new blue ocean, and the proportion of the elderly in the total population is increasing, so exploring the impact of digital pension finance on the urban silver economy is an important topic under the main tone of promoting the development of the elderly economy. This paper mainly discusses the following two issues: first, whether digital pension financial products have a promoting effect on the urban silver economy; the second is to explore the impact of digital pension finance on the urban silver economy. In the form of a large number of questionnaires, this paper collects the coverage rate of digital pension financial products, the utilization rate of digital pension financial products, the satisfaction of digital pension financial services, the application of digital pension financial technology and the risk management data of digital pension finance of urban residents indicators are used as the main independent variables, which is the innovation point of this paper in the study of independent variables. The data show that the overall penetration rate of digital ageing financial products in China is less than expected. In addition, the overall level of digital pension financial technology application is low, the pension industry model is unclear and difficult to identify, and the effective cognition of the elderly is ambiguous, which is an important reason why the field of social pension services has been tepid. Therefore, it is imperative for us to further promote the top-level design of the digital economy for the elderly.