Raising household saving: does financial education work?

Q3 Social Sciences
Social Security Bulletin Pub Date : 2012-01-01
William G Gale, Benjamin H Harris, Ruth Levine
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引用次数: 0

Abstract

This article highlights the prevalence and economic outcomes of financial illiteracy among American households, and reviews previous research that examines how improving financial literacy affects household saving. Analysis of the research literature suggests that previous financial literacy efforts have yielded mixed results. Evidence suggests that interventions provided for employees in the workplace have helped increase household saving, but estimates of the magnitude of the impact vary widely. For financial education initiatives targeted to other groups, the evidence is much more ambiguous, suggesting a need for more econometrically rigorous evaluations.

提高家庭储蓄:理财教育有效吗?
这篇文章强调了美国家庭中金融文盲的普遍程度和经济后果,并回顾了之前关于提高金融知识如何影响家庭储蓄的研究。对研究文献的分析表明,之前的金融扫盲努力产生了好坏参半的结果。有证据表明,在工作场所为雇员提供的干预措施有助于增加家庭储蓄,但对影响程度的估计差异很大。对于针对其他群体的金融教育计划,证据要模糊得多,这表明需要进行更严格的计量经济学评估。
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
Social Security Bulletin
Social Security Bulletin Social Sciences-Social Sciences (miscellaneous)
CiteScore
0.70
自引率
0.00%
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0
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