数字化转型背景下社保服务对老年福利的影响

The Impact of Social Security Services on Elderly Welfare under Digital Transformation

摘要: 随着全球人口老龄化进程的加速，如何通过制度创新与技术赋能提升老年福利已成为公共政策领域的核心议题。数字化转型为社会保障服务的精准触达与效能溢出提供了技术支撑，但在实践中仍面临技术排斥与需求错配的双重困境。本文立足于积极老龄化与福利多元主义视角，系统探讨了数字化社会保障服务对老年人经济、健康、精神及社会参与等多维福利的提升机制。通过对现状的深度扫描发现，当前社保服务数字化虽在经办效率上取得长足进步，但在适老化深度及服务“最后一公里”的履约能力上仍显不足。研究表明，数字化保障通过精准识别机制、即时响应机制、资源整合机制、社会支持重构机制以及公平分配优化机制，能够显著增强老年福祉。基于此，本文提出应构建以老年人为中心的数字包容体系，强化社会化力量参与的智慧供给载体，以实现数字化红利在老龄群体中的深度沉淀。

Abstract: With the acceleration of global population aging, enhancing the welfare of older adults through institutional innovation and technological empowerment has emerged as a critical agenda in public policy. Digital transformation provides robust technical support for the precise outreach and efficiency spillover of social security services. However, in practice, this process continues to confront the dual dilemma of digital exclusion and a mismatch between supply and demand. From the theoretical perspectives of active aging and welfare pluralism, this study systematically examines the mechanisms through which digitized social security services enhance the multidimensional well-being of the elderly, encompassing economic, health, psychological, and social participation dimensions. A comprehensive analysis of the status quo reveals that while the digitalization of social security services has made significant strides in administrative efficiency, deficiencies persist in the depth of age-appropriate adaptation and “last mile” service delivery capabilities. The findings suggest that digitalized protection can substantially bolster elderly welfare through five core mechanisms: precise identification, real-time response, resource integration, social support reconstruction, and the optimization of equitable distribution. Consequently, this paper advocates for the construction of an elderly-centric digital inclusion system and the fortification of smart provision platforms involving diverse social stakeholders, aiming to ensure that digital dividends are profoundly integrated into and retained by the aging population.