数字技术赋能老年群体社会保障基金管理优化研究——以上海市为例

Research on the Optimization of Social Security Fund Management for the Elderly Empowered by Digital Technology—A Case Study of Shanghai

摘要: 随着人口老龄化程度的不断加深，老年群体对社会保障基金的需求日益增长，数字技术的发展为社会保障基金管理提供了新的机遇与挑战。本文以上海市为例，采用文献综述法与案例分析法，探讨数字技术在老年群体社会保障基金管理中的应用现状、存在问题及优化措施。研究发现，上海市在政策推动、基金数字化管理及多方协同合作方面取得了显著成效，但仍面临技术适配性不足、政策法规不完善、信息共享不畅及监管服务保障薄弱等问题。针对上述问题，本文提出技术优化、完善政策法规、加强协同联动及强化监管与服务保障等对策建议，以期为提升老年群体社会保障水平、推动社会保障体系可持续发展提供理论支持和实践参考。

Abstract: With the deepening of population aging, the elderly’s demand for social security funds is increasing. The development of digital technology brings new opportunities and challenges to the management of social security funds. Taking Shanghai as an example, this paper adopts literature review and case analysis methods to explore the current application status, existing problems, and optimization measures of digital technology in the management of social security funds for the elderly. The study finds that Shanghai has achieved remarkable results in policy promotion, digital fund management, and multi-party collaboration. However, it still faces problems such as insufficient technological adaptability, imperfect policies and regulations, poor information sharing, and weak supervision and service guarantees. In response to the above issues, this paper proposes countermeasures including technological optimization, improvement of policies and regulations, strengthening of collaboration, and enhancement of supervision and service guarantees. It aims to provide theoretical support and practical reference for improving the social security level of the elderly and promoting the sustainable development of the social security system.