银行业老年人数字鸿沟问题伦理审视

【作者】 王辉；

【导师】 欧阳聪权；

【作者基本信息】 昆明理工大学 ， 科学技术哲学， 2024， 硕士

【摘要】 近年来,随着我国老龄人口的不断增加和信息技术的快速发展,老年人数字鸿沟问题日益凸显。在数字化场景中,老年人面临着技术使用不便、信息获取受阻、网络安全问题等众多障碍,这些问题给老年人的日常生活和金融服务带来了很大的困扰。为了更好地服务老年人,银行业在面对老年人数字鸿沟问题时,不仅需要关注技术方面的问题,更需要关注伦理方面的问题。因此,立足于伦理学的视角,对老年人与银行业数字技术发展之间存在的各种伦理问题进行哲学反思和深入剖析,从公正的维度来看,银行业需要确保数字技术的开发和服务是公正的,不会加剧老年人面临的数字鸿沟问题,确保老年人能够平等地享受金融服务。从尊重的维度来看,银行业需要尊重老年人的意愿和选择,提供多种服务方式,满足老年人的不同需求。从包容的维度来看,银行业需要包容老年人的差异和特点,提供个性化的服务,关注老年人的需求和偏好,开发适合他们的数字技术产品和服务。从隐私的维度来看,银行业需要保护老年人的隐私和信息安全,加强数据安全和隐私保护措施,确保老年人的个人信息不会被泄露或滥用。从公正、尊重、包容和隐私的维度提出应对老年人数字鸿沟问题的措施,以帮助改善银行业更好地服务老年人群体,提升老年人对银行业金融服务满意度具有重要意义。本研究首先梳理了数字鸿沟的内涵及发展,对信息化时代数字鸿沟在老年人群体的新表现进行梳理总结,并将数字鸿沟理论和银行业特点相结合,对信息化时代老年人所面对的数字鸿沟的具体现象进行整理分析,然后提出银行业老年人数字鸿沟主要涉及的尊重与包容、公正对待、共享与参与、隐私保障等伦理问题,并从个人层面、观念层面、技术层面、企业层面、政策层面进行分析银行业老年人数字鸿沟问题的原因所在,对银行业数字技术的发展与老年人之间存在的问题进行判断。最后以前文的分析为基础对银行业老年人数字鸿沟问题提出应对的原则与对策,以尊重原则、包容原则、公正原则和共享原则作为基本伦理准则,实施老年人提升个人数字素养、银行积极应对数字化对传统银行的冲击、社会开展适老化服务活动、政府完善数字鸿沟长效机制等措施,个人、银行、社会、政府四位一体,共同应对银行业老年人数字鸿沟问题。更多还原

【Abstract】 In recent years,with the continuous increase of the elderly population and the rapid development of information technology in China,the issue of the digital divide among the elderly has become increasingly prominent.In digital scenarios,elderly people face numerous obstacles such as inconvenient technological use,hindered information acquisition,and network security issues,which have brought great difficulties to their daily lives and financial services.In order to better serve the elderly,the banking industry needs to pay attention not only to technical issues but also to ethical issues when facing the digital divide among the elderly.Therefore,based on the perspective of ethics,philosophical reflection and in-depth analysis are conducted on the various ethical issues between the elderly and the development of digital technology in the banking industry.From the perspective of fairness,the banking industry needs to ensure that the development and services of digital technology are fair and will not exacerbate the digital divide faced by the elderly,ensuring that they can enjoy financial services equally.From the perspective of respect,the banking industry needs to respect the wishes and choices of the elderly,provide various service methods,and meet their different needs.From an inclusive perspective,the banking industry needs to accommodate the differences and characteristics of the elderly,provide personalized services,pay attention to their needs and preferences,and develop digital technology products and services that are suitable for them.From the perspective of privacy,the banking industry needs to protect the privacy and information security of the elderly,strengthen data security and privacy protection measures,and ensure that the personal information of the elderly is not leaked or abused.It is of great significance to propose measures to address the digital divide among the elderly from the dimensions of fairness,respect,inclusiveness,and privacy,in order to help improve the banking industry’s better service to the elderly population and enhance their satisfaction with financial services in the banking industry.This study first outlines the connotation and development of the digital divide,summarizes the new manifestations of the digital divide in the elderly population in the information age,and combines the theory of the digital divide with the characteristics of the banking industry to sort out and analyze the specific manifestations of the digital divide faced by the elderly in the information age.Then,it proposes the ethical issues mainly involved in the digital divide among the elderly in the banking industry,such as respect and tolerance,fair treatment,sharing and participation,privacy protection,and analyzes the reasons for the digital divide problem among the elderly in the banking industry from the individual level,conceptual level,technical level,enterprise level,and policy level.It also makes judgments on the problems between the development of digital technology in the banking industry and the elderly.Based on the analysis in the previous text,principles and countermeasures are proposed to address the digital divide among the elderly in the banking industry.The basic ethical principles include respect,inclusiveness,fairness,and sharing.Measures such as improving the personal digital literacy of the elderly,actively responding to the impact of digitization on traditional banks,carrying out aging friendly service activities in society,and improving the long-term mechanism of the digital divide by the government are implemented.Individuals,banks,society,and the government work together to address the digital divide among the elderly in the banking industry.更多还原