未来期望和财务满意度*

IF 0.9 Q3 ECONOMICS
Tracey West, Michelle Cull
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引用次数: 7

摘要

财务状况概念化方面的进步包括将未来前景纳入模型,因为处于财务压力下的消费者仍然可以期望未来过得更好。本研究将财务福利框架应用于澳大利亚大学生,将财务福利定义为由一组个人属性,当前资金管理指标和对财务未来的期望组成。我们发现,对财务状况最不满意的人,使用短期信贷的可能性更高,没有财务安全网,不愿意承担财务风险,对未来抱有负面预期。本研究的结果对教育工作者和政策制定者在设计大学生政策和方案时是有用的。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Future Expectations and Financial Satisfaction*

Advances in conceptualisation of financial well-being include factoring future outlook into models, as consumers under financial stress can still expect to be better off in the future. This study applies a financial well-being framework to Australian university students, defining financial well-being to be made up of a set of personal attributes, current money management indicators and expectations about the financial future. We find that being least satisfied with financial situation is associated with higher likelihoods of using short-term credit, not having a financial safety net, not being willing to take financial risks and having negative expectations of the future. The results of this study are useful for educators and policy-makers in designing policies and programmes for university students.

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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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