【摘要】 运用中国综合社会调查数据，使用Logistic回归模型，研究数字支付对农村老年人生活满意度的影响。研究结果显示：数字支付对农村老年人的生活满意度具有消极影响；异质性分析发现数字支付对于男性、高龄老人、较高收入水平、初中及以上受教育程度的农村老年人生活满意度的影响显著；调节机制分析表明随着家庭情感慰藉水平的提高，数字支付对农村老年人生活满意度的负面影响被显著减弱，且家庭情感慰藉的调节作用存在收入异质性，其能显著正向调节较高收入水平的农村老年人的生活满意度。变更关键解释变量，运用ordered logit回归模型作稳健性检验，采用倾向得分匹配法（PSM）消除内生性后，研究结论依然成立。据此提出，强化政府数字支付监管、优化数字支付服务、构建农村老年人的情感慰藉体系。更多还原

【Abstract】 The article uses data from China’s comprehensive social survey and logistic regression model to study the impact of digital payments on the life satisfaction of rural elderly people. The research results show that digital payments have a negative impact on the life satisfaction of elderly people in rural areas; Heterogeneity analysis found that digital payments have a significant impact on the life satisfaction of rural elderly people who are male, elderly, have higher income levels, and have a junior high school or higher education level; The analysis of the regulatory mechanism shows that as the level of family emotional comfort increases, the negative impact of digital payments on the life satisfaction of rural elderly people is significantly reduced, and the regulatory effect of family emotional comfort has income heterogeneity, which can significantly positively regulate the life satisfaction of rural elderly people with higher income levels. After changing the key explanatory variables and using the ordered logit regression model for robustness testing, and using propensity score matching(PSM) to eliminate endogeneity, the research conclusion still holds true. Based on this, it is proposed to strengthen government supervision of digital payments, optimize digital payment services, and build an emotional comfort system for rural elderly people.更多还原