数字时代下老年群体网络支付影响机制研究——基于CGSS 2018数据的实证分析
Research on the Impact Mechanism of Online Payment of Elderly Groups in the Digital Era—Empirical Analysis Based on CGSS 2018 Data

伴随数字时代的来临，网络支付极大地便利了我们的日常生活。但老年群体网络支付的使用率却相对较低，“数字鸿沟”问题在老年群体当中日渐凸显。籍此，认识老年群体网络支付的现状并厘清老年人网络支付的影响因素，对促进老年群体数字金融的普及，及其对数字社会的适应和融入意义重大。基于CGSS 2018的数据，利用有序Logistic回归模型对老年群体网络支付的影响机制进行实证分析得知：城市户籍、低龄、受教育程度越高、互联网使用频率越高、认知能力越强、个人收入越高、家庭成员上网的老年群体相较而言越有可能使用网络支付。展望未来，更需依赖家庭、社会和政府等多主体共同构建“适老”型互联网支付环境。以期帮助老年群体共享数字红利，助推积极人口老龄化。
With the advent of the digital age, online payment has greatly facilitated our daily life. However, the utilization rate of online payment among the elderly groups is relatively low, and the problem of “digital divide” is becoming increasingly prominent among the elderly groups. In this way, it is of great significance to understand the current situation of all online payment for the elderly and clarify the influencing factors of online payment for the elderly to promote the popularization of digital finance for the elderly and its adaptation and integration to the digital society. Based on CGSS 2018 data, using orderly Logistic regression model on the influence of the elderly network payment mechanism for empirical analysis: urban household register, young, the higher the level of education, the higher the Internet use frequency, stronger cognitive ability, personal income, family members of the Internet elderly more likely to use the network payment. Looking into the future, it is more necessary to rely on families, society and the government to jointly build a “suitable for old-age” Internet payment environment. In order to help the elderly group to share the digital dividend, and boost the aging of the active population.