[1]孟德锋,季 颖,李 丹.金融素养对家庭理财决策影响的性别差异[J].金融教育研究,2020,(02):12-24+57.
　MENG Defeng,JI Ying,LI Dan.Gender Differences in the Impact of Financial Literacy on Household Financial Decision-making[J].,2020,(02):12-24+57.
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金融素养对家庭理财决策影响的性别差异()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2020年02期
页码:
12-24+57
栏目:
金融论坛:家庭金融研究
出版日期:
2020-04-10

文章信息/Info

Title:
Gender Differences in the Impact of Financial Literacy on Household Financial Decision-making
文章编号:
2095-0098(2020)02-0012-13
作者:
孟德锋;  季 颖;  李 丹
南京审计大学 金融学院,江苏 南京 211815
Author(s):
MENG Defeng;  JI Ying;  LI Dan
School of finance,Nanjing Audit University,Nanjing,Jiangsu 211815,China
关键词:
金融素养;  理财决策;  理财规划;  性别差异
Keywords:
financial literacy;  financial decision-making;  financial planning;  gender differences
分类号:
F832
文献标志码:
A
摘要:
采用城市居民调查数据,分析金融素养对居民家庭理财决策影响的性别差异。研究结果显示:(1)金融素养对居民承担理财决策责任有显著正向影响,在男性群体中较为明显,但在女性群体中效果不显著,而且男性和女性之间没有群体差异;(2)金融素养对制定家庭理财规划有积极促进作用,在男性群体和女性群体中都有明显表现,而且女性金融素养提高对其制定理财规划的作用比男性更大;(3)婚姻、年龄、风险承受能力以及家庭净资产、自有住房、成员健康状况等都是影响家庭理财决策的重要因素。
Abstract:
Using the survey data of urban residents,this paper analyzes the gender difference of financial literacy on household financial decision-making.The results show that:(1)Financial literacy has a significant positive impact on residents' financial decision-making responsibility,which is more obvious in the male group,but not significant in the female group,and there is no group difference between the male and the female;(2)Financial literacy has a positive promoting effect on family financial planning,which has obvious performance in both male and female groups,and the improvement of female financial literacy plays a greater role in making financial planning than that of male;(3)Marriage,age,risk tolerance,family net worth,self-owned housing and members' health status are all important factors affecting family financial decisions.

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相似文献/References:

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备注/Memo

备注/Memo:
收稿日期:2019-11-30
基金项目:国家社会科学基金重大项目“金融服务养老的理论框架、国际经验、中国路径研究”(17ZDA072); 国家自然科学基金项目“非正规金融与异质性农村家庭创业:驱动机理及适宜边界”(71703070); 江苏高校哲学社科重点项目“新时代系统性金融风险演化机理、预警与防控机制研究”(2018SJZDI103); 南京审计大学青年教师科研培育项目“利率市场化下社会资本对农户正规信贷约束的影响及机制研究”(18QNPY003); 江苏省高校优势学科建设工程三期项目应用经济学(苏政办发[2018]87号); 江苏省高校品牌专业建设一期工程项目金融学(PPZY2015B104)
作者简介:孟德锋(1979-),男,河南沁阳人,博士,副教授,研究方向为区域金融和金融风险管理。
更新日期/Last Update: 2020-04-10