{"title":"网上购物与老年人的理财知识","authors":"Xu Cui, Jing Jian Xiao, Jinpeng Wang","doi":"10.1111/joca.70023","DOIUrl":null,"url":null,"abstract":"<div>\n \n <p>The financial literacy of the elderly is important in an aging society. However, even though online shopping has been integrated into the daily lives of many elderly people, the relationship between online shopping and financial literacy among the elderly remains underresearched. In this study, we examine the relationship between online shopping and financial literacy among the elderly with data from the China Household Finance Survey. We find that online shopping is positively associated with financial literacy among the elderly. The relationship is mediated through obtaining financial information online and engaging in online financial practices. The correlation is stronger for those with better health status, higher education level, higher openness to experience, greater extraversion, and greater economic capacity, while gender differences are not pronounced. Moreover, it is more pronounced among the elderly in urban areas than in rural areas.</p>\n </div>","PeriodicalId":47976,"journal":{"name":"Journal of Consumer Affairs","volume":"59 3","pages":""},"PeriodicalIF":3.2000,"publicationDate":"2025-08-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Online Shopping and Financial Literacy Among the Elderly\",\"authors\":\"Xu Cui, Jing Jian Xiao, Jinpeng Wang\",\"doi\":\"10.1111/joca.70023\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"<div>\\n \\n <p>The financial literacy of the elderly is important in an aging society. However, even though online shopping has been integrated into the daily lives of many elderly people, the relationship between online shopping and financial literacy among the elderly remains underresearched. In this study, we examine the relationship between online shopping and financial literacy among the elderly with data from the China Household Finance Survey. We find that online shopping is positively associated with financial literacy among the elderly. The relationship is mediated through obtaining financial information online and engaging in online financial practices. The correlation is stronger for those with better health status, higher education level, higher openness to experience, greater extraversion, and greater economic capacity, while gender differences are not pronounced. Moreover, it is more pronounced among the elderly in urban areas than in rural areas.</p>\\n </div>\",\"PeriodicalId\":47976,\"journal\":{\"name\":\"Journal of Consumer Affairs\",\"volume\":\"59 3\",\"pages\":\"\"},\"PeriodicalIF\":3.2000,\"publicationDate\":\"2025-08-21\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Journal of Consumer Affairs\",\"FirstCategoryId\":\"96\",\"ListUrlMain\":\"https://onlinelibrary.wiley.com/doi/10.1111/joca.70023\",\"RegionNum\":3,\"RegionCategory\":\"经济学\",\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q3\",\"JCRName\":\"BUSINESS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Consumer Affairs","FirstCategoryId":"96","ListUrlMain":"https://onlinelibrary.wiley.com/doi/10.1111/joca.70023","RegionNum":3,"RegionCategory":"经济学","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"BUSINESS","Score":null,"Total":0}
Online Shopping and Financial Literacy Among the Elderly
The financial literacy of the elderly is important in an aging society. However, even though online shopping has been integrated into the daily lives of many elderly people, the relationship between online shopping and financial literacy among the elderly remains underresearched. In this study, we examine the relationship between online shopping and financial literacy among the elderly with data from the China Household Finance Survey. We find that online shopping is positively associated with financial literacy among the elderly. The relationship is mediated through obtaining financial information online and engaging in online financial practices. The correlation is stronger for those with better health status, higher education level, higher openness to experience, greater extraversion, and greater economic capacity, while gender differences are not pronounced. Moreover, it is more pronounced among the elderly in urban areas than in rural areas.
期刊介绍：
The ISI impact score of Journal of Consumer Affairs now places it among the leading business journals and one of the top handful of marketing- related publications. The immediacy index score, showing how swiftly the published studies are cited or applied in other publications, places JCA seventh of those same 77 journals. More importantly, in these difficult economic times, JCA is the leading journal whose focus for over four decades has been on the interests of consumers in the marketplace. With the journal"s origins in the consumer movement and consumer protection concerns, the focus for papers in terms of both research questions and implications must involve the consumer"s interest and topics must be addressed from the consumers point of view.
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