The Associations Between Cultural Belief Profiles and Financial Parenting in Chinese Families With Early Adolescents

IF 3.4 3区经济学 Q3 BUSINESS

Journal of Consumer Affairs Pub Date : 2026-09-23 DOI:10.1111/joca.70077

Xiaomin Li, Muhammad Aamir Khan, Zuyi Zhao, Dexia Kong

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引用次数: 0

Abstract

Financial parenting refers to how parents teach children about money. This plays a critical role in youth development, yet little is known about its cultural underpinnings. This study investigates how profiles of parental cultural beliefs (filial piety, gender ideology, and face) are associated with two dimensions of financial parenting: financial socialization (skill-oriented financial parenting) and material indulgence (material provision that may carry relational meaning). Using survey data from 1000 Chinese parents of early adolescents (aged 10–14 years), we identified four belief profiles: Pragmatic Individualist (P1, 13.6%), Status-Driven Conformist (P2, 1.4%), Traditionalist (P3, 13.8%), and Moderates in Transition (P4, 71.2%). Compared to P4, P1 was associated with higher-quality financial socialization; P2 was associated with lower-quality financial socialization and fewer material indulgence behaviors; P3 was associated with higher-quality financial socialization and more material indulgence behaviors. Parent–child gender combinations showed main effects in exploratory analyses. These findings underscore the implications for culturally sensitive financial education.

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中国青少年早期家庭文化信仰与财务教养的关系

财务育儿指的是父母如何教育孩子有关金钱的知识。这在青年发展中起着至关重要的作用，但人们对其文化基础知之甚少。本研究探讨父母的文化信仰（孝道、性别意识形态和面子）如何与财务育儿的两个维度相关联：财务社会化（以技能为导向的财务育儿）和物质放纵（可能带有关系意义的物质提供）。通过对1000名中国早期青少年（10-14岁）父母的调查数据，我们确定了四种信仰类型：实用主义个人主义者（P1, 13.6%）、地位驱动的墨守成规者（P2, 1.4%）、传统主义者（P3, 13.8%）和转型中的温和派（P4, 71.2%）。与P4相比，P1与更高质量的金融社会化相关；P2与较低质量的财务社会化和较少的物质放纵行为相关；P3与更高质量的财务社会化和更多的物质放纵行为相关。探索性分析显示亲子性别组合的主要影响。这些发现强调了对文化敏感的金融教育的影响。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Journal of Consumer Affairs Multiple-

CiteScore

4.60

自引率

17.90%

发文量

期刊介绍： The ISI impact score of Journal of Consumer Affairs now places it among the leading business journals and one of the top handful of marketing- related publications. The immediacy index score, showing how swiftly the published studies are cited or applied in other publications, places JCA seventh of those same 77 journals. More importantly, in these difficult economic times, JCA is the leading journal whose focus for over four decades has been on the interests of consumers in the marketplace. With the journal"s origins in the consumer movement and consumer protection concerns, the focus for papers in terms of both research questions and implications must involve the consumer"s interest and topics must be addressed from the consumers point of view.