为什么消费者仍然是金融文盲?一些调查较少的原因的实证检验

IF 1.6 Q3 BUSINESS
Piotr Oratowski, A. Cwynar, W. Cwynar, R. Dankiewicz, A. Ostrowska-Dankiewicz
{"title":"为什么消费者仍然是金融文盲?一些调查较少的原因的实证检验","authors":"Piotr Oratowski, A. Cwynar, W. Cwynar, R. Dankiewicz, A. Ostrowska-Dankiewicz","doi":"10.15549/JEECAR.V6I1.285","DOIUrl":null,"url":null,"abstract":"Although financial literacy becomes increasingly important in more and more financialised world, and despite broad-based financial education interventions, consumers still display large shortcomings in the literacy. In this study, using multivariate linear regression and a nationally representative sample of adult Poles (N=1,067), we test some little-studied potential determinants of financial literacy with the purpose to further explain low financial literacy levels. We found that respondents who are more interested in financial domain, have less difficulty in understanding information supplied by means of numbers, and report more learning from own mistakes are at the same time more financially literate, even after controlling for sociodemographic characteristics. Possible implications regarding the role of these factors for financial education are discussed.","PeriodicalId":37422,"journal":{"name":"Journal of Eastern European and Central Asian Research","volume":null,"pages":null},"PeriodicalIF":1.6000,"publicationDate":"2019-03-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"7","resultStr":"{\"title\":\"Why do consumers remain financially illiterate? The empirical test of some less investigated reasons\",\"authors\":\"Piotr Oratowski, A. Cwynar, W. Cwynar, R. Dankiewicz, A. Ostrowska-Dankiewicz\",\"doi\":\"10.15549/JEECAR.V6I1.285\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"Although financial literacy becomes increasingly important in more and more financialised world, and despite broad-based financial education interventions, consumers still display large shortcomings in the literacy. In this study, using multivariate linear regression and a nationally representative sample of adult Poles (N=1,067), we test some little-studied potential determinants of financial literacy with the purpose to further explain low financial literacy levels. We found that respondents who are more interested in financial domain, have less difficulty in understanding information supplied by means of numbers, and report more learning from own mistakes are at the same time more financially literate, even after controlling for sociodemographic characteristics. Possible implications regarding the role of these factors for financial education are discussed.\",\"PeriodicalId\":37422,\"journal\":{\"name\":\"Journal of Eastern European and Central Asian Research\",\"volume\":null,\"pages\":null},\"PeriodicalIF\":1.6000,\"publicationDate\":\"2019-03-31\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"7\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Journal of Eastern European and Central Asian Research\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.15549/JEECAR.V6I1.285\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q3\",\"JCRName\":\"BUSINESS\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Journal of Eastern European and Central Asian Research","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.15549/JEECAR.V6I1.285","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"BUSINESS","Score":null,"Total":0}
引用次数: 7

摘要

尽管在越来越金融化的世界里,金融知识变得越来越重要,尽管进行了广泛的金融教育干预,但消费者在知识方面仍然存在很大的缺陷。在这项研究中,我们使用多元线性回归和具有全国代表性的波兰成年样本(N=1067),测试了一些研究较少的金融素养的潜在决定因素,目的是进一步解释金融素养水平低的原因。我们发现,对金融领域更感兴趣、理解数字提供的信息难度较小、从自己的错误中吸取教训较多的受访者,即使在控制了社会人口特征后,也同时更懂金融。讨论了这些因素对金融教育作用的可能影响。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Why do consumers remain financially illiterate? The empirical test of some less investigated reasons
Although financial literacy becomes increasingly important in more and more financialised world, and despite broad-based financial education interventions, consumers still display large shortcomings in the literacy. In this study, using multivariate linear regression and a nationally representative sample of adult Poles (N=1,067), we test some little-studied potential determinants of financial literacy with the purpose to further explain low financial literacy levels. We found that respondents who are more interested in financial domain, have less difficulty in understanding information supplied by means of numbers, and report more learning from own mistakes are at the same time more financially literate, even after controlling for sociodemographic characteristics. Possible implications regarding the role of these factors for financial education are discussed.
求助全文
通过发布文献求助,成功后即可免费获取论文全文。 去求助
来源期刊
Journal of Eastern European and Central Asian Research
Journal of Eastern European and Central Asian Research Economics, Econometrics and Finance-Economics and Econometrics
CiteScore
2.50
自引率
43.80%
发文量
81
审稿时长
8 weeks
期刊介绍: Journal of Eastern European and Central Asian Research (JEECAR) is a multi-disciplinary journal related to the Eurasia regional economics, finance, management, marketing, international affairs, and other business-related disciplines. By Eastern Europe and Central Asia, the IEECA refers to Russia, Ukraine, Belarus, Moldova, Armenia, Azerbaijan, Estonia, Latvia, Lithuania, Poland, Slovakia, Hungary, Serbia, Montenegro, Bosnia and Herzegovina, Albania, Kosovo, Macedonia, and five post-Soviet Central Asian states: Kazakhstan, Kyrgyzstan, Tajikistan, Turkmenistan, and Uzbekistan. The JEECAR Journal is committed to the editorial principles of all aspects of publication ethics and publication malpractice as assigned by the Committee on Public Ethics. Any paper submitted to the journal must be original, previously unpublished, and currently not under consideration for publication elsewhere. All articles in the printed version of the journal are peer-reviewed. The review process is a double-blind process. Neither the authors nor the reviewers know who wrote or reviewed the article. Per standard practice, only the Editor assigned to handle a paper knows the identity of the authors and the reviewers.
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
确定
请完成安全验证×
copy
已复制链接
快去分享给好友吧!
我知道了
右上角分享
点击右上角分享
0
联系我们:info@booksci.cn Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。 Copyright © 2023 布克学术 All rights reserved.
京ICP备2023020795号-1
ghs 京公网安备 11010802042870号
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术官方微信