财务顾问的使用者和财务素养

Bhanu Balasubramnian, Eric Brisker
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引用次数: 4

摘要

通过2012年全国财务能力研究,我们确定了与使用财务顾问的个人相关的人口统计学特征,以及财务顾问是否对其客户的财务素养有任何影响。我们考虑了五种类型的财务顾问:债务顾问,储蓄或投资,抵押或贷款,保险和税务规划。我们发现,在过去十年中,财务顾问的使用显著增加。我们还发现,储蓄或投资顾问对客户的金融素养有最大的积极影响,其次是抵押贷款或贷款和保险顾问,即使在控制金融教育和潜在的内质性问题时也是如此。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Financial adviser users and financial literacy
Using the 2012 National Financial Capability Study we determine what demographic characteristics are associated with individuals that use financial advisers and whether financial advisers have any impact on the financial literacy of their clients. We consider five types of financial advisers: Debt Counselors, Savings or Investment, Mortgage or Loan, Insurance, and Tax Planning. We find a significant increase in the use of financial advisers over the past decade. We also find that Savings or Investments advisers have the largest positive impact on the financial literacy of their clients, followed by Mortgage or Loan and Insurance advisers, even when controlling for financial education and potential endogeneity issues.
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