关注医疗护理和赡养、家庭收入和财务养老保障水平

IF 6.9 2区经济学 Q1 BUSINESS, FINANCE

Finance Research Letters Pub Date : 2025-08-15 DOI:10.1016/j.frl.2025.108202

Zhaojun Meng , Yanghui Wu

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引用次数: 0

摘要

随着全球人口老龄化的快速发展和养老金保障制度的不断改革，提高老年人的经济保障已成为学者和政策制定者关注的中心问题。根据2015年、2017年、2019年、2021年和2023年中国社会调查（CSS）的数据，本研究探讨了对医疗保健和老年人支持的关注以及家庭收入如何影响老年人的财务养老金保障。结果表明：家庭收入与老年人主观幸福感显著正相关，对医疗照顾和养老照顾的关注有效提升老年人主观幸福感；家庭收入在养老保障关注度与财务养老保障水平的关系中起中介作用，且这种中介效应在互联网用户与非互联网用户之间表现出异质性。本研究为理解家庭养老资源配置行为提供了新的视角，为优化养老保障政策设计、促进数字普惠金融服务适应更好地为老年人服务提供了经验证据。

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Attention to medical care and maintenance, household income, and financial pension security level

Amidst the rapid global trend of population aging and ongoing reforms in pension security systems, improving the financial security of the elderly has emerged as a central concern for both scholars and policymakers. Drawing on data from the China Social Survey (CSS) conducted in 2015, 2017, 2019, 2021, and 2023, this study examines how attention to medical care and elderly support, along with household income, shapes the financial pension security of older adults. The results reveal that household income is significantly and positively correlated with the subjective well-being of the elderly, while attention to medical care and elderly support effectively boosts their sense of well-being; household income serves as a mediating factor in the relationship between attention to medical care and maintenance and the level of financial pension security, with this mediating effect exhibiting heterogeneity between internet users and non-users. This study offers new perspectives for understanding family resource allocation behaviors in elder care and provides empirical evidence to optimize pension security policy design and promote the adaptation of digital inclusive financial services to better serve the elderly.

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来源期刊

Finance Research Letters BUSINESS, FINANCE-

CiteScore

11.10

自引率

14.40%

发文量

863

期刊介绍： Finance Research Letters welcomes submissions across all areas of finance, aiming for rapid publication of significant new findings. The journal particularly encourages papers that provide insight into the replicability of established results, examine the cross-national applicability of previous findings, challenge existing methodologies, or demonstrate methodological contingencies. Papers are invited in the following areas: Actuarial studies Alternative investments Asset Pricing Bankruptcy and liquidation Banks and other Depository Institutions Behavioral and experimental finance Bibliometric and Scientometric studies of finance Capital budgeting and corporate investment Capital markets and accounting Capital structure and payout policy Commodities Contagion, crises and interdependence Corporate governance Credit and fixed income markets and instruments Derivatives Emerging markets Energy Finance and Energy Markets Financial Econometrics Financial History Financial intermediation and money markets Financial markets and marketplaces Financial Mathematics and Econophysics Financial Regulation and Law Forecasting Frontier market studies International Finance Market efficiency, event studies Mergers, acquisitions and the market for corporate control Micro Finance Institutions Microstructure Non-bank Financial Institutions Personal Finance Portfolio choice and investing Real estate finance and investing Risk SME, Family and Entrepreneurial Finance