贵州省老年人数字金融素养发展现状与对策研究

Research on the Development Status and Countermeasures of Digital Financial Literacy of the Elderly in Guizhou Province

摘要: 随着数字技术在金融行业的应用，各式各样的数字金融产品和服务如雨后春笋般出现，这些数字金融产品和服务发挥效用的程度与人们的数字金融素养状况息息相关，人们的数字金融素养水平越高，数字金融产品和服务就能发挥更大的效用，对于老年人而言也是如此。老年人由于年龄大学习能力降低，使得这一人群的数字金融素养水平相对较低，应给予较大的关注，因此文章对贵州省老年人数字金融素养状况进行调查，定量评估了贵州省老年人的数字金融素养水平，并对其有了清晰准确的认知，为今后老年人数字金融素养教育工作的开展提供支持。最后探究影响贵州省老年人数字金融素养的因素，进而提出相关的对策建议如开展多样化的数字金融教育；为老年人提供合适的数字金融产品和服务；加强数字金融监管，消解老年群体对数字金融服务安全性隐忧，通过这些措施有利于提高老年人的数字金融素养水平。

Abstract: With the application of digital technology in the financial industry, a variety of digital financial products and services have sprung up. The effectiveness of these digital financial products and services is closely related to people’s digital financial literacy. The higher people’s digital financial literacy level, the greater the effectiveness of digital financial products and services, including for the elderly. Due to the declining learning ability of older people, their digital financial literacy level is relatively low, which should be paid more attention to. Therefore, this paper investigates the digital financial literacy status of the elderly in Guizhou Province. This paper quantitatively assessed the digital financial literacy level of the elderly in Guizhou Province, and had a clear and accurate understanding of it, which provided support for the development of digital financial literacy education for the elderly in the future. Finally, the factors affecting the digital financial literacy of the elderly in Guizhou Province are explored, and then relevant countermeasures and suggestions are put forward, such as carrying out diversified digital financial education; providing appropriate digital financial products and services for the elderly; strengthening digital financial supervision and eliminating the hidden concerns of the elderly about the security of digital financial services. These measures are conducive to improving the level of digital financial literacy of the elderly.