财务能力丧失的早期行为标记
Anna Trendl1,2, Alexander Anwyl-Irvine3, Lara Vomfell1,2
1Behavioural Science, Lloyds Banking Group, London, United Kingdom.
JAMA network open
|June 13, 2025
概括
老年人的财务能力丧失表明,日常活动支出减少,财务脆弱性增加. 银行数据可以揭示这些早期的行为变化和相关的财务损害.
科学领域:
- 老年学是一门学科.
- 神经科学是一个神经科学.
- 行为经济学是一种行为经济学.
背景情况:
- 老龄化过程中的认知衰退可能会影响财务决策.
- 银行数据为金融行为提供了洞察力,但尚未用于研究金融能力丧失.
- 了解财务能力丧失对于保护老年人至关重要.
研究的目的:
- 识别财务能力丧失的行为指标.
- 检查金融能力丧失与金融脆弱性之间的关联.
主要方法:
- 一项使用英国银行数据 (2009-2023) 的病例控制研究.
- 与16,742名具有财务能力丧失标记的个人 (PoA捐赠者) 与50,226名对照进行了比较.
- 在PoA注册前10年分析了344个金融措施.
主要成果:
- 财务能力丧失的个人对日常活动 (服装,旅行,爱好) 的支出有所减少.
- 他们展示了与家庭相关的公用事业和慈善事业的支出增加,以及更多的欺诈案件和丢失/被盗卡.
- 减少在线银行业务活动表明,在产能损失组中,金融关注度下降.
结论:
- 金融能力的下降与支出的重大转变和金融脆弱性的增加有关.
- 银行数据可以作为一种有价值的工具,用于检测金融能力丧失的早期迹象.
- 这些发现对老年人的财务保障和支持有影响.
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