财务咨询:障碍和利益的回顾

IF 0.9 Q3 ECONOMICS
Steffen Westermann, Scott J. Niblock, Jennifer L. Harrison, Michael A. Kortt
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引用次数: 7

摘要

本文回顾了文献感知个人层面的需求侧障碍和利益从寻求和遵循财务建议。我们的研究发现,金融知识贫乏、缺乏信任和财务顾问焦虑都是阻碍个人寻求专业财务建议的因素。有限的关于财务建议在财务健康方面的有效性的文献表明了一个积极的联系。然而,在澳大利亚,没有一项研究集体考察了金融素养、信任和财务顾问焦虑对财务建议寻求和幸福感的影响。最后,我们讨论了进一步的差距、政策建议、最近引入的澳大利亚公司法修正案以及未来研究的几个方向,这些可能为政策制定者、行业专业人士、学者和个人提供理论和实践上的好处。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Financial Advice Seeking: A Review of the Barriers and Benefits

This paper reviews the literature on the perceived individual-level demand-side barriers to and benefits from seeking and following financial advice. Our review reveals that poor financial literacy, lack of trust and financial adviser anxiety have all been found to dissuade individuals from pursuing professional financial advice. The limited literature on the effectiveness of financial advice in terms of financial well-being suggests a positive link. However, no study has collectively examined the influence of financial literacy, trust and financial adviser anxiety on financial advice seeking and well-being in Australia. We conclude by discussing further gaps, policy recommendations, the recently introduced amendments to the Australian Corporations Act and several directions for future research, which may provide theoretical and practical benefits to policy-makers, industry professionals, academics and individuals.

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来源期刊
Economic Papers
Economic Papers ECONOMICS-
CiteScore
2.30
自引率
0.00%
发文量
23
期刊介绍: Economic Papers is one of two journals published by the Economics Society of Australia. The journal features a balance of high quality research in applied economics and economic policy analysis which distinguishes it from other Australian journals. The intended audience is the broad range of economists working in business, government and academic communities within Australia and internationally who are interested in economic issues related to Australia and the Asia-Pacific region. Contributions are sought from economists working in these areas and should be written to be accessible to a wide section of our readership. All contributions are refereed.
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