老年金融消费现状问题调查研究

Investigation on the Status Quo of Financial Consumption for the Elderly

摘要: 随着我国人口老龄化趋势不断加速，老年消费市场具有巨大消费潜力，老年金融消费也在快速增长。但是老年人在金融方面的消费存在一些问题，论文从老年人金融消费的现状特点出发，探析老年人金融消费意识不强，老年金融产品单一，老人参与互联网金融消费比重低等现状问题，提出向老年人宣传金融投资知识，提高金融消费意识；引导老年人理性参与金融消费，加快老年金融产品开发；提高老年金融消费服务水平，提供便利性和可及性；制定老年金融消费权益法律，保护老年人金融消费的权益等相关政策建议；为老年金融消费市场健康发展提供参考。

Abstract: As the population aging trend in China continues to accelerate, the elderly consumer market has huge consumption potential, and financial consumption for the elderly is also growing rapidly. However, there are some problems in the financial consumption of the elderly. Based on the current characteristics of financial consumption of the elderly, the paper analyzes the current status of the elderly, such as weak financial consumption awareness, single financial products for the elderly, and low participation in the Internet financial consumption by the elderly. The elderly promote financial investment knowledge and raise financial consumption awareness; guide the elderly to participate in financial consumption rationally and accelerate the develop-ment of financial products for the elderly; improve the level of financial consumption services for the elderly; provide convenience and accessibility; formulate laws on the rights and interests of financial consumption for the elderly; protect the elderly Related policy recommendations such as financial consumption rights and interests provide a reference for the healthy develop-ment of the elderly financial consumption market.