人口老龄化和数字包容性金融,这是中国的一个自然实验
Jinghong Zhou1, Xixi Ye2,3
1School of Finance, Taxation and Public Administration, Shanghai Lixin University of Accounting and Finance, Shanghai, China.
PloS one
|November 27, 2023
概括
中国的互联网政策促进了老年人的数字金融. 尽管最初的负相关性,但这一政策增加了获取,导致结果分为两部分:幸福感下降,但房地产投资增加.
科学领域:
- 经济学 经济学 经济学
- 社会学 社会学 社会学
- 信息技术 信息技术 信息技术
背景情况:
- 包容性金融数字化对于人口老龄化至关重要.
- 传统上,老龄化人口对数字金融服务的参与度较低.
- 了解政策对数字金融采用的影响至关重要.
研究的目的:
- 调查国家互联网整合战略对中国老龄化人口包容性金融数字化的影响.
- 确定推动老年人采用数字金融的变化机制.
- 分析老年人增加数字金融获取的经济和社会后果.
主要方法:
- 使用回归不连续性设计来评估促进互联网整合的中国国家政策的影响.
- 分析人口老龄化和包容性金融数字化水平之间的相关性.
- 检查收入和照顾效应作为调解机制.
主要成果:
- 国家政策显著提高了老龄化人口包容性金融的数字化水平.
- 经验分析显示了积极的 (护理效应) 和消极的 (收入效应) 影响.
- 结果分为两部分:幸福度下降,而房地产投资增加.
结论:
- 政府政策可以有效地加强对老龄化人口的数字金融包容性.
- 数字金融对老年人的影响是复杂的,具有不同的社会经济影响.
- 未来的研究应该探索减轻负面社会结果的策略,同时利用经济效益.
相关概念视频
02:20Longitudinal Research
12.0K
Sometimes we want to see how people change over time, as in studies of human development and lifespan. When we test the same group of individuals repeatedly over an extended period of time, we are conducting longitudinal research. Longitudinal research is a research design in which data-gathering is administered repeatedly over an extended period of time. For example, we may survey a group of individuals about their dietary habits at age 20, retest them a decade later at age 30, and then again...
12.0K
01:50Cross-Sectional Research
11.3K
In cross-sectional research, a researcher compares multiple segments of the population at the same time. If they were interested in people's dietary habits, the researcher might directly compare different groups of people by age. Instead of following a group of people for 20 years to see how their dietary habits changed from decade to decade, the researcher would study a group of 20-year-old individuals and compare them to a group of 30-year-old individuals and a group of 40-year-old...
11.3K