社会养老保险与电子商务融合对农村老年人生活质量的影响探究

Exploring the Impact of the Integration of Social Pension Insurance and E-Commerce on the Quality of Life of Rural Elderly

摘要: 随着农村人口老龄化问题日益凸显，传统养老模式面临严峻挑战，社会养老保险与电子商务的融合为农村养老提供了新路径。本文通过界定相关概念、梳理理论基础，分析了社会养老保险与电子商务的发展现状及对农村老年人生活质量的影响机制，探讨了两者融合的模式与面临的挑战，并提出优化策略。研究表明，社会养老保险为农村老年人提供经济保障，电子商务丰富其生活服务与发展机会，二者融合产生协同效应，能从经济、健康、社交等多维度提升农村老年人生活质量，但需通过政策支持、基础设施完善、人才培养、服务创新等手段破解现存难题，推动二者深度融合，助力农村养老事业发展与乡村振兴。

Abstract: With the increasingly prominent problem of aging population in rural areas, traditional elderly care models are facing severe challenges. The integration of social pension insurance and e-commerce provides a new path for rural elderly care. This article defines relevant concepts, sorts out theoretical foundations, analyzes the current development status of social pension insurance and e-commerce, and the impact mechanism on the quality of life of rural elderly people. It explores the integration mode and challenges faced by the two, and proposes optimization strategies. Research has shown that social pension insurance provides economic security for rural elderly people, while e-commerce enriches their life services and development opportunities. The integration of the two produces a synergistic effect, which can improve the quality of life of rural elderly people from multiple dimensions such as economy, health, and social interaction. However, it is necessary to solve existing problems through policy support, infrastructure improvement, talent cultivation, service innovation, and other means, promote the deep integration of the two, and help the development of rural elderly care and rural revitalization.