银发经济背景下老年人冲动消费行为的剖析与干预研究

Analysis and Intervention Research on Impulsive Consumption Behaviors of the Elderly in the Context of the Silver Economy

摘要: 老龄化进程加速催生了银发经济的崛起，但老年人冲动消费问题日益凸显，其背后是生理、心理与社会因素复杂交织的独特机制。现有研究多聚焦青年群体或单一传统场景，缺乏从心理学与社会学视角出发的整合性分析框架，干预策略的系统性探讨亦显不足。本文以传统会销场景为主要经验参照，通过文献梳理与理论分析，构建了老年人冲动消费的“外部刺激–心理加工–行为结果”三维分析框架，将心理加工层细化为认知特征(认知老化与决策简化)、情感特征(孤独感与健康焦虑)和动机特征(情感补偿)三个维度，揭示老年群体冲动消费的独特心理机制。在此基础上，本文归纳现有的干预策略，并提出“刺激阻断–心理赋能–行为替代”三位一体的整合性干预构想。

Abstract: The acceleration of population aging has fueled the rise of the silver economy, yet the issue of impulsive consumption among older adults has become increasingly prominent, driven by a unique interplay of physiological, psychological, and social factors. Existing research predominantly focuses on younger populations or single traditional scenarios, lacking an integrated analytical framework grounded in psychological and sociological perspectives, and systematic exploration of intervention strategies remains insufficient. Taking the traditional health product seminar scene as a primary empirical reference, this paper conducts a literature review and theoretical analysis to construct a three-dimensional “Stimulus-Psychological Processing-Behavioral Outcome” framework for older adults’ impulsive consumption. Within this framework, the psychological processing layer is further delineated into three dimensions: cognitive characteristics (cognitive aging and decision simplification), affective characteristics (loneliness and health anxiety), and motivational characteristics (emotional compensation), thereby revealing the distinct psychological mechanisms underlying impulsive consumption in this population. On this basis, the paper synthesizes existing intervention strategies and proposes an integrated “Stimulus Blocking-Psychological Empowerment-Behavioral Substitution” intervention approach.