Covid-19 大流行期间的金融知识普及和风险保护

IF 1.2 Q3 ECONOMICS

Italian Economic Journal Pub Date : 2024-07-03 DOI:10.1007/s40797-024-00286-2

Giuseppe Bertola, Anna Lo Prete

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引用次数: 0

摘要

本研究证明，有能力进入金融市场可以在面对特异性收入冲击时平滑消费。利用意大利在科维德-19 大流行病第一阶段的金融知识和金融适应能力的家庭层面数据，我们发现金融知识和金融资产所有权都以理论上合理的方式影响着消费变化。在控制了若干社会人口特征、储蓄选择、公共转移支付以及不同估算方法后，结果是稳健的。

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Financial Literacy and Risk Protection During the Covid-19 Pandemic

This study documents that competent access to financial markets can smooth consumption in the face of idiosyncratic income shocks. Using household-level data on financial literacy and financial resilience in Italy during the first phase of the Covid-19 pandemic, we find that financial literacy and financial asset ownership both influenced consumption changes in theoretically sensible ways. The results are robust in specifications controlling for several socio-demographic characteristics, saving choices, public transfers, and to different estimation methods.

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来源期刊

Italian Economic Journal ECONOMICS-

CiteScore

2.30

自引率

8.30%

发文量

期刊介绍： Italian Economic Journal (ItEJ) is the official peer-reviewed journal of the Italian Economic Association. ItEJ publishes scientific articles in all areas of economics and economic policy, providing a scholarly, international forum for all methodological approaches and schools of thought. In particular, ItEJ aims at encouraging and disseminating high-quality research on the Italian and the European economy. To fulfill this aim, the journal welcomes applied, institutional and theoretical papers on relevant and timely issues concerning the European and Italian economic debate.ItEJ merges the Rivista Italiana degli Economisti (RIE), the journal founded by the Italian Economic Association in 1996, with the Giornale degli Economisti (GdE), founded in 1875 and enriched by contributions from renowned economists, including Amoroso, Black, Barone, De Viti de Marco, Edgeworth, Einaudi, Modigliani, Pantaleoni, Pareto, Slutsky, Tinbergen and Walras.