金融素养研究综述

晏如 刘(电子科技大学成都学院)
席龙 潘(西南财经大学中国金融研究中心)
保全 陈(西南财经大学财商研究中心)

摘要

近年来，随着金融市场、金融工具、金融制度日趋复杂，如何提升消费者的金融素养，从根本上更好地保护消费者的合法权益，已越来越受到各国政府、学界和教育界的重视。我国由于起步较晚，这方面与发达国家存在显著的差距。为了更好地推进这一领域的学习和研究，本文将分别从金融素养的内涵与测度，金融素养与金融行为、金融福祉关系及金融素养的影响因素这三个方面，对当前国内外已有文献进行梳理和评述，以助力追赶和超越的步伐。

参考

Bernheim and B. Douglas. (1995) Do Households Appreciate Their Financial Vulnerabilities? An Analysis of Actions，Perceptions，and Public Policy[J]．Policy and Economic Growth，Washington, DC：American Council for Capital Formation，PP.1-30.

Bowen C.F. (2002). Financial Knowledge of Teens and Their Parents[J]. Financial Counseling and Planning, 13(2): 93-102.

Campbell John Y. (2006). Household Finance[J]. The Journal of Finance, (4):1553-1604.

Lusardi A, Mitchell O S. (2007a). Baby boomer retirement security: The Roles of planning, financial literacy, and housing wealth[J]. Journal of Monetary Economics, 54(1):205-249.

Lusardi A. (2005). Financial education and the saving behavior of African American and Hispanic households[J]. Report for the US Department of Labor.

Lusardi Armamaria, Mitchell Olivia S, Curto V. (2010). Financial Literacy among The Young[J]. Journal of Consumer Affairs, 44(2):358-80.

Mandell L. (2009). Financial Education in High School. In Overcoming the Saving Slump: How to Increase the Effectiveness of Financial Education and Savings Programs, edited by Annamaria Lusardi (257–279). Chicago: The University of Chicago Press.

OECD. Improving Financial Literacy[M]. France, OECD Publications, 2005

Vitt L.A., Anderson C., Kent J., Deanna M.L., Jurg K.S. and Jeremy W. (2000). Personal Finance and the Rush to Competence: Financial Literacy Education in U.S.

潘席龙，祖强. 国民金融教育之五德财商系列教材·企业与价值（初中段）[M].西南财经大学出版社，2018。

尹志超,宋全云,吴雨.金融知识、投资经验与家庭资产选择[J].经济研究,2014(4):62-75。

周亭孜.金融素养、风险态度对家庭金融行为的影响研究[D].首都经济贸易大学硕士学位论文,2017。

朱涛,吴宣文.金融素养与风险态度—来自微观调查数据的实证研究[J].科技与经济,2016(1):62-66。

DOI: http://dx.doi.org/10.26549/jxffcxysj.v1i2.1208