波兰千禧一代与前几代相比的金融素养、行为和幸福感:三项大规模调查的启示

IF 0.4 Q4 ECONOMICS
A. Cwynar
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引用次数: 11

摘要

人们对千禧一代的财务能力有很多担忧。对这一代人的初步研究表明,与其他几代人相比,他们的财务知识较少,财务行为也不那么健康。这篇文章的目的是将千禧一代与非千禧一代以及其他被孤立对待的一代进行比较,以检查千禧一代在金融知识、行为和幸福感方面是否存在差异。为此,本研究使用了2017年和2018年对波兰人不同样本进行的三次调查中的三个不同数据集。对显著差异的应用统计测试并不能证实千禧一代在金融知识以及与现金管理、储蓄和投资相关的行为方面与其他几代人不同。然而,与非千禧一代相比,接受调查的千禧一代在信贷管理和保险行为方面明显较差。我们还发现,与前几代人相比,千禧一代的财务状况要高得多。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Financial Literacy, Behaviour and Well-Being of Millennials in Poland Compared to Previous Generations: The Insights from Three Large-Scale Surveys
There are many concerns about financial competences of Millennials. Initial research on this generation suggests that it is less financially knowledgeable and exhibits less healthy financial behaviours compared to other generations. The goal of the article is to compare Millennials to non-Millennials as a whole, as well as to other generations treated in isolation, to check whether Millennials diverge in terms of financial literacy, behaviour and well-being. To that end, this study uses three distinct datasets from three surveys conducted in 2017 and 2018 on different samples of Poles. The applied statistic tests of significant differences do not confirm that Millennials diverge from other generations with respect to financial literacy as well as behaviours related to cash management, saving and investment. However, the surveyed Millennials perform significantly less healthy credit management and insurance behaviours compared to non-Millennials. We also found that Millennials report significantly higher levels of financial well-being compared to all previous generations.
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来源期刊
CiteScore
1.40
自引率
0.00%
发文量
10
审稿时长
38 weeks
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