PDF(Pubmed)
Abstract：
Access to local banking represents an understudied dimension of neighborhood-based inequalities that could significantly influence older adults\' perceptions of their neighborhood spaces in ways that matter for disparities in well-being. We evaluate disparities in banking access and then examine how local banking access informs older adults\' perceptions of neighborhood collective efficacy and danger, above and beyond other neighborhood socioeconomic characteristics.
We use nationally representative data from older adults in the United States who were interviewed at Round 3 of the National Social Life, Health, and Aging Project, linked with data on banks in respondents\' residential and surrounding census tracts from the National Establishment Time-Series database, in a series of bivariate and multivariable regression analyses.
White older adults and those with higher levels of education have significantly greater local banking access than Black and Hispanic older adults and those with lower levels of education. Higher rates of local banking institutions are associated with significantly lower perceptions of neighborhood danger, but not with perceived collective efficacy. This finding emerges when accounting for neighborhood concentrated disadvantage and physical disorder.
Local banks may represent neighborhood investment and the broader economic vitality of a community, as well as the ability of communities to meet older adults\' everyday needs in ways that enhance older residents\' feelings of safety. Increasing access to local financial institutions may help attenuate neighborhood-based contributors to inequalities in health and well-being among the older adult population.
We use nationally representative data from older adults in the United States who were interviewed at Round 3 of the National Social Life, Health, and Aging Project, linked with data on banks in respondents\' residential and surrounding census tracts from the National Establishment Time-Series database, in a series of bivariate and multivariable regression analyses.
White older adults and those with higher levels of education have significantly greater local banking access than Black and Hispanic older adults and those with lower levels of education. Higher rates of local banking institutions are associated with significantly lower perceptions of neighborhood danger, but not with perceived collective efficacy. This finding emerges when accounting for neighborhood concentrated disadvantage and physical disorder.
Local banks may represent neighborhood investment and the broader economic vitality of a community, as well as the ability of communities to meet older adults\' everyday needs in ways that enhance older residents\' feelings of safety. Increasing access to local financial institutions may help attenuate neighborhood-based contributors to inequalities in health and well-being among the older adult population.
摘要：
目标：获取本地银行业务代表了基于邻里的不平等的一个未被研究的维度，这种不平等会显著影响老年人对邻里空间的看法，这对幸福感的差异至关重要。我们评估了银行访问的差异，然后研究了本地银行访问如何告知老年人对邻里集体功效和危险的看法，超越其他邻里社会经济特征。
方法：我们使用来自美国老年人的具有全国代表性的数据，这些数据在国家社会生活第三轮中接受了采访，健康,和老龄化项目，与国家建立时间序列数据库中受访者的住宅和周边人口普查区域的银行数据相关联，在一系列双变量和多变量回归分析中。
结果：白人老年人和受教育程度较高的人比黑人和西班牙裔老年人和受教育程度较低的人拥有更多的本地银行服务。当地银行机构的比率较高，对邻里危险的看法明显较低，但没有感知到的集体功效。当考虑到邻里集中的劣势和身体障碍时，就会出现这一发现。
结论：本地银行可能代表社区投资和社区更广泛的经济活力，以及社区满足老年人日常需求的能力，以增强老年人的安全感。增加与当地金融机构的接触可能有助于减轻老年人口健康和福祉不平等的社区贡献者。
方法：我们使用来自美国老年人的具有全国代表性的数据，这些数据在国家社会生活第三轮中接受了采访，健康,和老龄化项目，与国家建立时间序列数据库中受访者的住宅和周边人口普查区域的银行数据相关联，在一系列双变量和多变量回归分析中。
结果：白人老年人和受教育程度较高的人比黑人和西班牙裔老年人和受教育程度较低的人拥有更多的本地银行服务。当地银行机构的比率较高，对邻里危险的看法明显较低，但没有感知到的集体功效。当考虑到邻里集中的劣势和身体障碍时，就会出现这一发现。
结论：本地银行可能代表社区投资和社区更广泛的经济活力，以及社区满足老年人日常需求的能力，以增强老年人的安全感。增加与当地金融机构的接触可能有助于减轻老年人口健康和福祉不平等的社区贡献者。
