社会支持对中老年人养老理财方式选择的影响研究
|
摘要
目的了解不同社会支持水平对中老年人养老理财方式选择的影响。方法采用自行设计问卷,于2017年6～7月通过便利抽样方法选取300名北京市房山区中老年居民进行问卷调查,回收有效问卷294份,有效回收率为98%。使用χ~2检验分析影响中老年人养老理财方式选择的因素。结果在人口统计学特征方面,不同婚姻状况和最大经济来源的中老年人养老理财方式的选择差异有统计学意义(P <0.05);在社会支持方面,不同支持水平的中老年人养老理财方式的选择差异有统计学意义(P <0.05)。结论中、高水平社会支持的中老年人的理财方式更分散多样;而低水平社会支持的中老年人的理财方式较单一。总体上看,中老年人的理财方式选择还处在初级阶段,老龄金融市场发展潜力巨大。
Objective To understand the impact of different levels of social support on elderly people′s choice of financing. Methods A self-designed questionnaire was used to select 300 middle-aged and elderly residents in Fangshan district of Beijing from June to July 2017 through convenient sampling method, 294 valid questionnaires were recovered, with an effective recovery rate of 98%, χ~2 was used to analyze the factors influencing the choice of elderly financing. Results In terms of demographic characteristics, there were statistically significant differences in the choice of old-age financing modes among middle-aged and elderly people with different marital status and the largest source of income(P < 0.05). In terms of social support, middle-aged and elderly people with different levels of support had statistically significant differences in the choice of old-age financing mode(P < 0.05). Conclusion The middle-aged and senior citizens with high level of social support have more diversified financial management methods. The elderly with low level of social support have a single way of financing. In general, the choice of financial management methods for middle-aged and elderly people is still in the primary stage, and the old age financial market for the elderly has great potential for development.
Objective To understand the impact of different levels of social support on elderly people′s choice of financing. Methods A self-designed questionnaire was used to select 300 middle-aged and elderly residents in Fangshan district of Beijing from June to July 2017 through convenient sampling method, 294 valid questionnaires were recovered, with an effective recovery rate of 98%, χ~2 was used to analyze the factors influencing the choice of elderly financing. Results In terms of demographic characteristics, there were statistically significant differences in the choice of old-age financing modes among middle-aged and elderly people with different marital status and the largest source of income(P < 0.05). In terms of social support, middle-aged and elderly people with different levels of support had statistically significant differences in the choice of old-age financing mode(P < 0.05). Conclusion The middle-aged and senior citizens with high level of social support have more diversified financial management methods. The elderly with low level of social support have a single way of financing. In general, the choice of financial management methods for middle-aged and elderly people is still in the primary stage, and the old age financial market for the elderly has great potential for development.
引文
[1]林宝.北京市人口老龄化问题与战略选择[J].北京社会科学,2011(1):9-13.
[2]张兴夏.人口老龄化与老年人理财问题研究[J].科技视界,2015(17):174-175.
[3]曾靖,王路.老年群体理财产品计量分析[J].合作经济与科技,2018(1):96-99.
[4]艾正家.关于老年人理财问题的几点思考[J].中国证券期货,2011(8):113-115.
[5]肖水源.《社会支持评定量表》的理论基础与研究应用[J].临床精神医学杂志,1994(2):98-100.
[6]刘继文,李富业,连玉龙.社会支持评定量表的信度效度研究[J].新疆医科大学学报,2008(1):1-3.
[7]李苗,徐林城,高春梅,等.天津市某区居家养老老年人社会支持与抑郁相关性研究[J].齐鲁护理杂志,2018,24(1):4-6.
[8]谢朝辉,郭惠平,李硕,等.北京市西城区社区老人社会支持随访研究[J].中国预防医学杂志,2013,14(4):251-255.
[9]雷铖,代凤玲,罗婧,等.中国老年人生活质量与社会支持的相关性研究Meta分析[J].河北医学,2018,24(2):181-188.
[10]李莎莎,王丽娜,鄂绪,等.基于Pearson相关系数中国空巢老年人生活质量与社会支持相关性研究的Meta分析[J].重庆医学,2018,47(1):66-70.
[11]李建新.老年人口生活质量与社会支持的关系研究[J].人口研究,2007(3):50-60.
[12]郑志丹,郑研辉.社会支持对老年人身体健康和生活满意度的影响———基于代际经济支持内生性视角的再检验[J].人口与经济,2017(4):63-76.
[13]王艳梅,张艳芬,李萍,等.乌鲁木齐市社区老年人生活质量与社会支持相关性分析[J].疾病监测,2008(2):111-113.
[14]刘金华,谭静.社会支持对老年人养老意愿的影响分析[J].社会保障研究,2016(4):13-18.
[15]陈玉兰,吴忧,林思勤.成都市中老年人社会支持与养老方式选择调查[J].医学与社会,2016,29(1):65-68.
[16]田园,胡宓,肖水源,等.农村老年人生活质量及与负性生活事件、社会支持的相关性[J].中国心理卫生杂志,2013,27(10):734-738.
[17]廖婧琳.婚姻状况与居民金融投资偏好[J].南方金融,2017(11):23-32.
[18]刘潇,程志强,张琼.居民健康与金融投资偏好[J].经济研究,2014,49(S1):77-88.
[19]李煜,刘婉莹,张友庆,等.基于“互联网+”的老年理财分析[J].对外经贸,2017(12):111-112.
[20]韩素莹.利率下行趋势下老年理财的问题与对策[J].内蒙古电大学刊,2016(1):2-6.
[21]刘祯帆,李鑫,董文菊,等.四川地区老年人养老方式选择及其影响因素调查[J].中国医药导报,2018,475(17):42-45.
[2]张兴夏.人口老龄化与老年人理财问题研究[J].科技视界,2015(17):174-175.
[3]曾靖,王路.老年群体理财产品计量分析[J].合作经济与科技,2018(1):96-99.
[4]艾正家.关于老年人理财问题的几点思考[J].中国证券期货,2011(8):113-115.
[5]肖水源.《社会支持评定量表》的理论基础与研究应用[J].临床精神医学杂志,1994(2):98-100.
[6]刘继文,李富业,连玉龙.社会支持评定量表的信度效度研究[J].新疆医科大学学报,2008(1):1-3.
[7]李苗,徐林城,高春梅,等.天津市某区居家养老老年人社会支持与抑郁相关性研究[J].齐鲁护理杂志,2018,24(1):4-6.
[8]谢朝辉,郭惠平,李硕,等.北京市西城区社区老人社会支持随访研究[J].中国预防医学杂志,2013,14(4):251-255.
[9]雷铖,代凤玲,罗婧,等.中国老年人生活质量与社会支持的相关性研究Meta分析[J].河北医学,2018,24(2):181-188.
[10]李莎莎,王丽娜,鄂绪,等.基于Pearson相关系数中国空巢老年人生活质量与社会支持相关性研究的Meta分析[J].重庆医学,2018,47(1):66-70.
[11]李建新.老年人口生活质量与社会支持的关系研究[J].人口研究,2007(3):50-60.
[12]郑志丹,郑研辉.社会支持对老年人身体健康和生活满意度的影响———基于代际经济支持内生性视角的再检验[J].人口与经济,2017(4):63-76.
[13]王艳梅,张艳芬,李萍,等.乌鲁木齐市社区老年人生活质量与社会支持相关性分析[J].疾病监测,2008(2):111-113.
[14]刘金华,谭静.社会支持对老年人养老意愿的影响分析[J].社会保障研究,2016(4):13-18.
[15]陈玉兰,吴忧,林思勤.成都市中老年人社会支持与养老方式选择调查[J].医学与社会,2016,29(1):65-68.
[16]田园,胡宓,肖水源,等.农村老年人生活质量及与负性生活事件、社会支持的相关性[J].中国心理卫生杂志,2013,27(10):734-738.
[17]廖婧琳.婚姻状况与居民金融投资偏好[J].南方金融,2017(11):23-32.
[18]刘潇,程志强,张琼.居民健康与金融投资偏好[J].经济研究,2014,49(S1):77-88.
[19]李煜,刘婉莹,张友庆,等.基于“互联网+”的老年理财分析[J].对外经贸,2017(12):111-112.
[20]韩素莹.利率下行趋势下老年理财的问题与对策[J].内蒙古电大学刊,2016(1):2-6.
[21]刘祯帆,李鑫,董文菊,等.四川地区老年人养老方式选择及其影响因素调查[J].中国医药导报,2018,475(17):42-45.