数字素养对养老规划的影响路径和对策研究

Research on the Influence Path and Countermeasures of Digital Literacy on Pension Planning

摘要: 本文从影响机制、现实困境、实践策略三个层面分析了数字素养对家庭养老规划的影响。研究发现：数字素养通过改善信息获取、增强风险判断、促进信任建立、优化资产配置等路径，对家庭养老规划参与产生积极影响；然而在现实中，认知偏差、技能不足、信任缺失、制度不完善等困境相互交织，阻碍了这一正向作用的发挥；为此，本文提出从数字素养教育、产品平台适老化设计、信任机制建设、政策激励引导、多方协同推进等多个维度系统施策的建议，以期为提升家庭养老规划能力提供参考。

Abstract: This paper analyzes the impact of digital literacy on family pension planning from three aspects: influence mechanism, practical dilemma and practical strategy. It is found that digital literacy has a positive impact on the participation of family pension planning by improving information acquisition, enhancing risk judgment, promoting trust establishment and optimizing asset allocation. However, in reality, cognitive bias, lack of skills, lack of trust, imperfect system and other difficulties are intertwined, which hinders the play of this positive role; therefore, this paper puts forward some suggestions on the systematic implementation of digital literacy education, product platform aging design, trust mechanism construction, policy incentive guidance, multi-party collaborative promotion and other dimensions, in order to provide reference for improving the ability of family pension planning.