Research on the Impact of Digital Financial Development on the Financial Health of the Elderly Households
Based on macro and micro matching data,the study empirically examines the extent of the impact of digital financial development on the financial health of the elderly households and its mechanism of action from the perspective of multidimensional digital divide.The study finds that the financial health level of the elderly households has the distribution characteristics of be-ing"high in the east region,low in the middle and west region,and high in the towns and low in the countryside";digital financial development can effectively improve the financial health of the elderly households,and the mechanism test shows that the digital financial development can alle-viate the constraints of financing,optimize the ability of risk identification,and improve the con-venience of financial operations.Further analysis reveals that digital financial development has demonstrated certain inclusive characteristics,but has not yet broken the spatial limitations,and has only had a more significant effect on the financial health of developed Internet areas such as towns and cities,as well as on the financial health of non-poor households with a higher level of human capital,which fully reflects the urgency of bridging the digital divide of the elderly house-holds.
digital financeelderly householdhousehold financial health
万方数据
维普
