新冠疫情：危机时期澳大利亚老年人的财务状况
COVID-19: Financial well-being of older Australians in times of crisis.
作者信息
Jhuremalani Arti, Potter Rachael, Lushington Kurt, Lowies Braam
机构信息
Business Unit, University of South Australia, Adelaide, South Australia, Australia.
Justice and Society Unit, University of South Australia, Adelaide, South Australia, Australia.
出版信息
Australas J Ageing. 2022 Sep;41(3):440-447. doi: 10.1111/ajag.13061. Epub 2022 Mar 14.
OBJECTIVE
The aim of the present study was to explore the impact of the COVID-19 pandemic on the financial well-being of older Australian retirees.
METHODS
Thirty Australian retirees (16 females and 14 males), older than 65 years of age, were asked 'Have your finances been affected by the events surrounding COVID-19?'. Data were analysed using Braun and Clarke's six-step approach, and Bronfenbrenner's socio-ecological model was utilised to analyse thematic responses at individual, household, community and societal levels.
RESULTS
Two COVID-19-related themes emerged from interviews: COVID-19 and increased financial stress and COVID-19 and frustration with digital banking.
CONCLUSIONS
This study revealed that the financial well-being of older Australians and especially self-funded retirees has been negatively impacted by the COVID-19 pandemic. Participants felt financially worse off primarily due to the volatility of the financial markets, the need to support adult children and the increased cost of living. Also, participants expressed their hesitation and frustration with digital banking services, and their desire for greater personal contact with financial institutions, particularly during times of uncertainty.
目的
本研究旨在探讨新冠疫情对澳大利亚老年退休人员财务状况的影响。
方法
询问了30名年龄超过65岁的澳大利亚退休人员（16名女性和14名男性）“您的财务状况是否受到新冠疫情相关事件的影响？”。数据采用布劳恩和克拉克的六步法进行分析，并利用布朗芬布伦纳的社会生态模型分析个体、家庭、社区和社会层面的主题回应。
结果
访谈中出现了两个与新冠疫情相关的主题：新冠疫情与财务压力增加以及新冠疫情与对数字银行的不满。
结论
本研究表明，新冠疫情对澳大利亚老年人尤其是自费退休人员的财务状况产生了负面影响。参与者认为财务状况变差主要是由于金融市场波动、需要支持成年子女以及生活成本增加。此外，参与者表达了对数字银行服务的犹豫和不满，以及他们在不确定性时期与金融机构进行更多个人接触的愿望。
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