[1]施喜容,孟德锋.金融知识、风险承受能力与退休养老规划选择[J].金融教育研究,2018,(02):14-20.
　SHI Xirong,MENG Defeng.Financial Knowledge,Risk Tolerance and Retirement Plan Selection[J].,2018,(02):14-20.
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金融知识、风险承受能力与退休养老规划选择()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2018年02期
页码:
14-20
栏目:
金融理论探讨
出版日期:
2018-04-20

文章信息/Info

Title:
Financial Knowledge,Risk Tolerance and Retirement Plan Selection
文章编号:
2095-0098(2018)02-0014-07
作者:
施喜容;  孟德锋
南京审计大学 金融学院,江苏 南京 211815
Author(s):
SHI Xirong;  MENG Defeng
School of Economics and Finance,Nanjing Audit University,Nanjing,Jiangsu 211815,China
关键词:
风险承受能力;  金融知识;  养老规划;  家庭金融;  probit模型
Keywords:
risk tolerance;  financial knowledge;  retirement plan;  household finance;  probit model
分类号:
F830
文献标志码:
A
摘要:
本研究运用2012年中国城市居民消费金融调查数据,研究金融知识、风险承受能力与家庭退休养老规划的相关性。研究发现,金融知识的积累会推动家庭风险承受能力的提高。当家庭没有足够的知识去预估某项金融决策的结果时,人们更倾向于维持现状,风险承受能力也随之变得较低。相反,金融知识掌握的越多,家庭对于金融决策的结果越了解,风险承受能力越高,家庭进行退休养老规划的可能性越大,家庭退休养老规划的多样性也会随着风险承受能力的提高而增加。希望本研究结果能够对于政府部门在家庭金融这一领域的政策制定有积极的影响,对于消费者提高金融素养,合理规划经济行为有所启示。
Abstract:
In this study,we use the data of China survey of urban consumer finances in 2012 to explore the correlation among financial knowledge,risk tolerance and family retirement planning.The results indicate that the accumulation of financial knowledge will promote the increase of family risk tolerance.When families do not have enough knowledge to predict the outcome of a specific financial decision,people tend to maintain the status quo,and risk tolerance becomes lower.On the contrary,the more financial knowledge they got,the family knows more about the outcome of financial decisions,the family get higher risk tolerance,the possibility of family planning for retirement will greater,and the diversity of family retirement planning will also increase with the increase of risk tolerance.It is hoped that the results of this study can positively influence the government departments' policy making in the field of family finance,and can enlighten consumers to improve their financial literacy and rationally planning of their economic behavior.

参考文献/References:

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备注/Memo

备注/Memo:
收稿日期:2018-01-15
作者简介:施喜容(1993-),女,江苏宜兴人,硕士研究生,研究方向为家庭金融、互联网金融;
孟德锋(1979-),男,河南沁阳人,博士,副教授,研究方向为区域金融。
更新日期/Last Update: 2018-04-20