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The Impact of Digital Financial Literacy on Older Households' Pension Financial Asset Allocation—Evidence from China
Abstract
With the population aging, the importance of pension finance has become increasingly prominent. However, Chinese elderly households' participation in the pension finance market is relatively low, with a single asset allocation structure. Based on data from the China Household Finance Survey, this paper examines the impact of digital financial literacy on the allocation of Pension financial assets of elderly households. The study found that increased digital financial literacy significantly promotes older households' participation in the pension finance market, allocation of commercial pension insurance, and a more diversified portfolio of financial assets. In addition, digital financial literacy influences older households' pension financial asset allocation behavior by increasing their financial accessibility and enhancing social interactions. The study also found that digital financial literacy contributes more strongly to allocating financial assets for retirement in older urban households.
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Prospect Theory: An Analysis of Decision under Risk
Kahneman, D., & Tversky, A. (1979) · Econometrica · doi:10.2307/1914185 · Cited by 48,524
Metadata
- Authors
- Yang, C.
- Venue
- Risk and Financial Management
- Publisher
- Ideas Spread
- Published
- 2025-05-26
- Volume
- 6
- Issue
- 1
- Pages
- p89
- ISSN
- 2690-9804
- 2690-9790
- Cited by
- 3
- References
- 1
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- Yang, C. (2025). The Impact of Digital Financial Literacy on Older Households' Pension Financial Asset Allocation—Evidence from China. Risk and Financial Management. https://doi.org/10.30560/rfm.v6n1p89
