a1018城区老年人数字金融适应性研究.docxVIP

PAGE PAGE 1 摘 要 近年来，我国一直把发展数字金融作为国家的工作重点之一，但在农村偏远地区，存在着城区老年人金融需求较为单一，城区老年人投资和信贷需求相对不足，且城区老年人有效的金融需求存在着部分未被满足的现象，部分城区老年人仍然不能以合理的途径和价格获取所需的产品和服务的问题。随着数字金融的发展，要进一步推动数字金融的发展，研究如何通过数字金融这一便利的渠道，在提升城区老年人有效金融需求的同时，缓解有需求下城区老年人所受到的金融适应性至关重要。 论文梳理了国内外关于数字金融、金融需求和金融适应性研究的相关文献，界定了金融需求、金融适应性和数字金融等基本概念，基于陕西关中地区实地调研数据，分析了城区老年人的数字金融接触水平、金融需求和金融适应性情况，从互联网技术采纳和数字金融认知两个方面来衡量城区老年人数字金融接触情况，在结合现实情况的基础上提出相关的对策和建议。 关键词：数字金融；金融需求；金融适应性  Abstract In recent years, China has always regarded the development of digital finance as one of the priorities of the country. However, in remote rural areas, the financial needs of the elderly in urban areas are relatively single, the investment and credit needs of the elderly in urban areas are relatively insufficient, and some of the effective financial needs of the elderly in urban areas are not met, The elderly in some urban areas are still unable to obtain the required products and services through reasonable channels and prices. With the development of digital finance, to further promote the development of digital finance, it is very important to study how to improve the effective financial needs of the urban elderly and alleviate the financial adaptability of the urban elderly in need through the convenient channel of digital finance. This paper combs the relevant literature on digital finance, financial demand and financial adaptability at home and abroad, defines the basic concepts of financial demand, financial adaptability and digital finance, and analyzes the digital financial contact level, financial demand and financial adaptability of the elderly in urban areas based on the field survey data in Guanzhong, Shaanxi Province, This paper measures the digital financial contact of the elderly in urban areas from two aspects: the adoption of Internet technology and the cognition of digital finance, and puts forward relevant countermeasures and suggestions on the basis of combining the actual situation. Key words: Digital finance; Financial