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老年人的财务福祉:对47个潜在预测因素的机器学习分析

Mohsen Joshanloo¹

¹Department of Psychology, Keimyung University, Daegu, South Korea.

Journal of applied gerontology : the official journal of the Southern Gerontological Society

|October 6, 2025

概括

慢性压力和乐观情绪等心理因素是老年人财务福祉的关键预测因素. 这些内部状态对于财务满意度来说比人口统计学更重要.

科学领域:

老年学是指老年学的学科.
心理学心理学心理学
经济学经济学经济学

背景情况:

财务福祉对于老年人的生活质量至关重要.
财务福祉的预测因素是复杂的,涉及多个领域.
了解这些预测因素可以为老龄化人口提供干预信息.

研究的目的:

确定老年人财务福祉的关键预测因素.
评估心理社会,人口统计和生活方式因素的相对重要性.
提供数据驱动的对金融福利决定因素的理解.

主要方法:

利用了来自健康和退休研究的数据.
采用随机森林分析来评估47个潜在的预测因素.
专注于主观的财务福祉作为结果变量.

主要成果:

心理变量,包括慢性压力,生活满意度,感知控制和乐观,是重要的预测因素.
心理因素显示出比人口统计学指标更强大的预测能力.
教育成为最有影响力的人口预测因素.

结论:

老年人的财务福祉受到心理资源的重大影响.
个人行动,乐观和生活满意度起着至关重要的作用.
财务福祉不仅仅取决于经济地位或人口统计.

关键词:

在HRS中,HRS是HRS.财务上的幸福财务上的幸福机器学习是机器学习.预测者预测者预测者随机的森林随机的森林

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