电子商务环境下数字素养赋能城市老年群体金融健康的机制构建与路径探索

Empowering Financial Health in Urban Elderly Populations through Digital Literacy in E-Commerce Contexts: Mechanisms and Pathways

摘要: 在人口老龄化与数字经济深度融合的背景下，城市中的老年群体正面临“数字鸿沟”与“金融排斥”的双重挑战。本文着重探讨电子商务环境下老年群体的金融健康问题，深入分析数字素养与金融健康之间的相互关系，并以此构建三重赋能机制：1) 教育赋能机制通过社区阶梯式培训与家庭代际学习的协同作用，提升数字技能与金融认知；2) 技术适配依托适老化工具的迭代更新与智能风控的嵌入，实现操作的便捷性与安全性的协同优化；3) 政策保障构建多主体协同治理网络及数字化权益保护体系，强化制度支撑。基于此，本文提出了社区–家庭双轨浸润、科技普惠场景化生态、多元主体社会融合的实施路径，通过分层教育干预、包容性技术设计与制度协同创新，助力老年群体跨越数字鸿沟，优化金融资源配置，提升金融健康水平，并促进社会包容性发展。

Abstract: Amidst the deepening integration of population aging and the digital economy, elderly urban populations confront the dual challenges of the “digital divide” and “financial exclusion”. This paper focuses on the financial health of the elderly within the e-commerce environment, conducting an in-depth analysis of the interrelationship between digital literacy and financial health. It subsequently constructs a tripartite empowerment framework comprising: 1) Educational Empowerment, leveraging the synergy of community-based tiered training programs and intergenerational family learning to enhance digital skills and financial literacy; 2) Technological Adaptation, relying on the iterative refinement of age-friendly digital tools and the integration of intelligent risk control systems to co-optimize operational accessibility and security; and 3) Policy Safeguards, establishing a multi-stakeholder collaborative governance network and a digital rights protection framework to strengthen institutional support. Based on this framework, the paper proposes implementation pathways centered on dual-track community-family integration, a scenario-based ecosystem for inclusive technology, and multi-stakeholder social inclusion. Through layered educational interventions, inclusive technology design, and institutional coordination and innovation, these pathways aim to assist the elderly in bridging the digital divide, optimize financial resource allocation, enhance financial health, and foster socially inclusive development.