Li Yingxin, Jin Renhao, Li Xiaohui
School of Statistics and Data Science, Beijing Wuzi University, Beijing, 101149, China.
Business School, Beijing Wuzi University, Beijing, 101149, China.
Heliyon. 2024 Jan 11;10(2):e24255. doi: 10.1016/j.heliyon.2024.e24255. eCollection 2024 Jan 30.
China has entered a period of synchronous development between digitalization and aging. Based on the data from the China Household Finance Survey (CHFS), the partial least squares structural equation model (PLS-SEM) and multi-group analysis were used to analyze the impact mechanism of digital capabilities and digital finance on the wealth of elderly households. The results indicate that digital capabilities and digital finance can improve the wealth level of households headed by the elderly through direct and indirect paths. The indirect effects of digital capabilities and digital finance on elderly household wealth are all exerted through the node of business and property income, and entrepreneurship/investment are mediating variables. Moreover, digital capabilities have a greater impact on the wealth of elderly households in the central and western China regions, while digital finance has a greater impact in the eastern China regions. In addition, there is no significant difference in the effect of digital capabilities on business and property income across regions, while digital finance has a larger effect in the eastern region. The above conclusions can provide theoretical and practical support for realizing active aging and common prosperity in different countries and regions.
中国已进入数字化与老龄化同步发展的时期。基于中国家庭金融调查（CHFS）的数据，运用偏最小二乘结构方程模型（PLS-SEM）和多组分析，来分析数字能力和数字金融对老年家庭财富的影响机制。结果表明，数字能力和数字金融可以通过直接和间接路径提高老年户主家庭的财富水平。数字能力和数字金融对老年家庭财富的间接影响均通过经营和财产性收入节点发挥作用，创业/投资是中介变量。此外，数字能力对中国中西部地区老年家庭的财富影响更大，而数字金融对中国东部地区的影响更大。另外，数字能力对各地区经营和财产性收入的影响没有显著差异，而数字金融在东部地区的影响更大。上述结论可为不同国家和地区实现积极老龄化和共同富裕提供理论和实践支持。
