金融知识对储蓄行为的影响：风险规避和金融信心的调节作用

IF 2.9 Q2 BUSINESS

Journal of Financial Services Marketing Pub Date : 2024-01-28 DOI:10.1057/s41264-023-00265-1

S. Ananda, Raghavendra Prasanna Kumar, Tamanna Dalwai

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引用次数: 0

摘要

本研究探讨了金融知识对海湾合作委员会（GCC）地区投资者储蓄行为的影响。研究还探讨了金融信心和风险规避对金融知识与储蓄行为之间关系的调节作用。研究采用雪球抽样法，通过结构化问卷从 357 名受访者中收集了原始数据。研究结果表明，金融知识对投资者的储蓄行为有积极影响。此外，研究还发现，风险规避在很大程度上调节了金融素养与储蓄行为之间的关系。金融知识、风险规避和金融信心三者之间的交互作用对投资者的储蓄行为产生了重大影响。研究建议，政策制定者应重视对投资者进行金融知识、金融信心和风险规避方面的培训。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

Impact of financial literacy on savings behavior: the moderation role of risk aversion and financial confidence

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Impact of financial literacy on savings behavior: the moderation role of risk aversion and financial confidence

This research examines the impact of financial literacy on the savings behavior of investors residing in the Gulf Cooperation Council (GCC) region. It also investigates the moderating impact of financial confidence and risk aversion in the relationship between financial literacy and savings behavior. The primary data were collected from 357 respondents through a structured questionnaire using the snowball sampling method. The findings of this study suggest that financial literacy has a positive impact on investors' savings behavior. Further, the study also found that risk aversion significantly moderates the relationship between financial literacy and savings behavior. The three-way interaction between financial literacy, risk aversion, and financial confidence significantly affects the investors’ savings behavior. The study suggests that policymakers should emphasize training programs for investors on financial literacy, financial confidence, and risk aversion.

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来源期刊

Journal of Financial Services Marketing BUSINESS-

CiteScore

5.60

自引率

26.70%

发文量

期刊介绍： Under the guidance of its expert Editors and an eminent international Editorial Board, Journal of Financial Services Marketing has become one of the world''s leading forums for the latest thinking, techniques and developments in marketing financial services. The Journal has established itself as a key bridge between applied academic research and commercial best practice, globally. The journal covers: marketing banking services, pension plans, insurance, saving schemes, investment finance, personal finance, mortgages and credit and debit cards loyalty plans brand management cross-selling products and services customer relationship management online services customer profiling targeting product positioning pricing distribution management consumer finance pooled investment funds The Journal of Financial Services Marketing publishes detailed and authoritative: Case studies from marketers worldwide, detailing their practical experiences, the problems faced and the lessons learned Research with IMPLICATIONS FOR PRACTICE from leading business schools, research institutes and universities, worldwide Reviews and briefings by expert practitioners and academics sharing thought-provoking and challenging ideas Legal reviews examining in detail the major changes in legislation Book reviews providing a ''thumbnail'' of best practice in marketing within the financial services field ...to keep subscribers up-to-date with the latest developments and thinking in bank and financial services marketing.