墨西哥人在哪个年龄段承受的经济压力最大?

IF 2.3 Q2 ECONOMICS
Osvaldo García Mata
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引用次数: 0

摘要

目的随着年龄的增长,人们的需求也会发生变化。为满足这些需求而购买资源,会使消费者因其财务状况而产生痛苦和不安全感。本研究旨在分析墨西哥成年人的年龄与财务压力之间的关系,并估算出他们财务压力最大的年龄。研究结果结果显示,年龄与财务压力之间的关系遵循二次方模式,在 56 岁时达到最大水平,且因性别、婚姻状况、受抚养人数量、教育程度和地区而异。研究局限性/影响需要纵向研究和指标(如财务脆弱性),以便随着时间的推移完善模型。原创性/价值目前还没有证据表明有研究涉及拉丁美洲财务压力最大的年龄。这样做很有意义,因为确定成年人最容易受到财务压力影响的人生阶段有助于更准确地评估其原因,从而减轻其不利影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
At what age do Mexicans suffer the most financial stress?
PurposeNeeds change as people get older. Procuring resources to satisfy them can generate anguish and insecurities in consumers due to their financial situation. This study aims to analyze the relationship between age and financial stress among Mexican adults and estimate the age of their maximum financial stress.Design/methodology/approachThis study is based on constructing a financial stress indicator using the confirmatory factor analysis and linear regression models with a quadratic term, employing data from the National Survey on Financial Inclusion 2021.FindingsResults show that the relationship between age and financial stress follows a quadratic pattern, with a maximum level at age 56, which varies according to sex, marital status, number of dependents, education and regions. These findings interest financial product designers and policy developers who aim to improve consumers' well-being.Research limitations/implicationsLongitudinal studies and indicators, such as financial fragility, are needed to facilitate refining models over time.Originality/valueThere is no evidence of studies that have addressed the age of maximum financial stress in Latin America. Doing so is relevant because identifying the stages in life when adults are most vulnerable to financial stress helps assess its causes more precisely, thus mitigating its adverse effects.
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来源期刊
Journal of Economics, Finance and Administrative Science
Journal of Economics, Finance and Administrative Science Economics, Econometrics and Finance-Economics, Econometrics and Finance (all)
CiteScore
5.10
自引率
20.80%
发文量
23
审稿时长
12 weeks
期刊介绍: The Universidad ESAN, with more than 50 years of experience in the higher education field and post graduate studies, desires to contribute to the academic community with the most outstanding pieces of research. We gratefully welcome suggestions and contributions from business areas such as operations, supply chain, economics, finance and administration. We publish twice a year, six articles for each issue.
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