葡萄牙高等教育学生的金融素养

Mário Antão, Cristina Nunes, Claudia Silvestre, João Caldeira, Carla Martinho, M. Negas
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引用次数: 0

摘要

在全球化的世界里,贸易日益多样化和迅速发展,这就要求我们做出明智而同样迅速的决定,而理财知识是一项核心的生活技能。与这些决策有关的信息、态度和金融知识对于确保经济的可持续性至关重要。任何公民的日常生活都被财务决策所包围,这些财务决策不仅决定和制约着个人的福祉,也决定着家庭、机构以及当地和全球经济的财务可持续性。每个人都需要承担责任,这就把人民的金融知识作为善治的一个关键问题。此外,金融无知是有代价的。因此,促进包容性金融部门是一些政府和机构机构的目标之一,因此自2015年以来,它已被列入2030年联合国议程的17个可持续发展目标中的5个。一般来说,读写能力对应于每个人获取知识、发展认知和社会技能的能力,这些能力使他能够利用社会上现有的信息做出正确的决定。金融教育对所有年龄和教育水平的人都有用。然而,高等教育学生是任何国家都倾向于寄予许多期望的群体之一,因为他们是未来的决策者,所以这是本研究的目标受众。该调查于4月10日公布,截止日期为2022年5月10日。这项初步研究是一项更广泛研究的一部分,旨在确定葡萄牙高等教育学生的金融素养水平,并确定性别、年龄、课程领域和日/后工作学生是否存在差异。关键词:金融素养;金融知识;金融的态度;金融行为;高等教育学生。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Financial Literacy among Portuguese Higher Education Students
Our globalised world, with increasingly diversified and rapid trade, requires properly informed and equally rapid decisions, where financial literacy is a core life skill. The information, attitudes and financial knowledge associated with these decisions are essential to ensure the sustainability of economies. The day-to-day life of any citizen is surrounded by financial decisions that determine and condition not only the individual well-being, but also financial sustainability of families, institutions and, consequently, local, and global economies.The need for everyone to take responsibility places the financial literacy of a population as a key issue for good governance. Moreover, financial ignorance has costs. Thus, the promotion of an inclusive financial sector is one of the objectives of several governments and institutional bodies, so since 2015 it has been included in the 2030 UN agenda in 5 of the 17 sustainable development goals. The literacy in general corresponds to the ability of each individual to acquire knowledge, develop cognitive and social skills that allow him, with the information available in society to make the right decision.Financial education is useful for people of all ages and education level. However, higher education students are one of the groups in which any country tends to place many expectations, since they are the future decision makers, so this is the target audience of this research. The survey was released in April 10, and it will be open until May 10, 2022. This preliminary study, which is part of a wider research, aims to determine the level of financial literacy of higher education students in Portugal and to determine whether there are differences in gender, age, course area, and day/ post-work students. Keywords: financial literacy; financial knowledge; financial attitude; financial behaviour; higher education students.
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