金融素养在家庭金融资产中的影响  

The Impact of Financial Literacy on Household Financial Assets

作　　者：赵妍清 ZHAO Yanqing(Accounting Department,Sichuan Business Vocational College,Chengdu,Sichuan 610000,China)

机构地区：[1]四川商务职业学院会计系,四川成都610000

出　　处：《衡水学院学报》2022年第4期45-51,共7页Journal of Hengshui University

基　　金：四川省教育厅重点规划项目(19SZSJYZ-06)。

摘　　要：金融素养是对于金融资产合理的配置以及管理的能力,对家庭理财计划的制定有着重要的影响。根据《消费者金融素养调查分析报告(2021)》和西南财经大学中国家庭金融调查数据(CHFS-2017)研究我国家庭金融素养现状、金融素养对金融资产配置的影响。研究发现我国居民的金融素养整体水平有待提升;金融意识以及教育程度对于家庭金融资产的配置产生显著的影响;金融意识对于安全风险的配置产生正向的影响。建议从提升金融教育、加强政府监管和宣传、提高金融机构合法合规的专业化服务质量等方面来推动我国金融市场的持续、健康发展。Financial literacy is the ability of rational allocation and management of financial assets,which has an important impact on the formulation of family financial planning.Through the Consumer Financial Literacy Survey and Analysis Report(2021)and the Chinese Household Finance Survey data of Southwestern University of Finance and Economics(CHFS-2017),this paper studies the current situation of Chinese household financial literacy and the impact of financial literacy on financial asset allocation.The study found that the overall level of financial literacy of Chinese residents needs to be improved,the financial awareness and education level have a significant impact on the allocation of family financial assets,and the financial awareness has a positive impact on the allocation of security risks.It is suggested to promote the sustainable and healthy development of China's financial market from the following aspects:enhancing financial education,strengthening government supervision and publicity,and improving the professional service quality of legal and compliant financial institutions.

关 键 词：金融素养 家庭金融资产 金融教育 理财规划 

分 类 号：F832[经济管理—金融学]