金融素养理论研究新进展  

New Progress in Theoretical Study of Financial Literacy

作　　者：王宇熹[1] 杨少华[1] 

机构地区：[1]上海工程技术大学管理学院,上海201620

出　　处：《上海金融》2014年第3期26-33,116,共8页Shanghai Finance

基　　金：国家社会科学基金课题"改善我国证券分析师监管研究"(项目批准号:11CGL021);上海工程技术大学2013年度研究生科研创新专项项目"股票估值模型在不同行业价值投资中应用研究"(项目编号:A-0903-13-01038)

摘　　要：金融素养是指消费者所拥有的为其一生金融福祉而有效管理其金融资源的知识和能力。最近几年,金融素养已经引起国外发达国家和发展中国家学者和央行的高度重视,多个国家的学者对金融素养前沿理论均开展了相关研究。本文在分析金融素养理论产生背景基础上,从金融素养的测度、金融素养与金融行为的关系、如何提高国民金融素养三方面对金融素养理论研究新进展以及未来的研究方向进行了述评,提出了加强国民金融素养问题研究的几点建议。Financial literacy is the knowledge and ability of consumers to effectively manage their financial resources for their lifelong finan-cial well-being. In recent years, financial literacy has attracted the attention of scholars and central banks in developed and developing countries,and scholars in several countries have carried out frontier researchs of financial literacy theory. Based on the background analysis of financial liter-acy theory, the article reviews the new progress in theoretical study of financial literacy and the research direction in the future from three aspects including the measurement of financial literacy, the relationship between financial literacy and financial behavior, as well as how to improve nation-al financial literacy. The article then proposes suggestions to strengthen national financial literacy.

关 键 词：金融素养 个人金融 家庭金融 国民金融教育 金融行为 消费者保护 

分 类 号：F830[经济管理—金融学]