基于行为经济学视角的青年学生财经素养培育  

Cultivation of Financial Literacy of College Students Based on Behavioral Economics Perspective

作　　者：王悦[1] WANG Yue(College of Business,Beijing Open University,Beijing 100081,China)

机构地区：[1]北京开放大学商学院,北京100081

出　　处：《教育教学论坛》2024年第33期172-176,共5页Education And Teaching Forum

摘　　要：青年学生财经素养培育是现代通识教育面临的重要课题,既关系到学生群体的财经风险,也影响其综合素质培育和长远的健康发展。当前,对于学生财经素养培育的挑战来自社会经济生活的全面数字化,数字经济引发了青年学生群体特有的理性局限及由此带来的决策或行为风险。通过分析数字化社会经济环境对青年学生群体认知和行为的影响,从行为经济学的视角,基于前景理论的行为决策机制,结合学生群体特征的矛盾因素,对其财经风险暴露及数字环境的风险放大效应进行研究。从单纯的认知视角转向认知与行为并重的多元化视角,提出了青年学生财经素养培育的目标及认知和行为两个层面的策略。The cultivation of college students’financial literacy is an important topic facing modern general education.It is not only related to the financial risks of the student group,but also affects its comprehensive quality cultivation and long-term healthy development.For nowadays,the challenge for students’financial literacy cultivation comes from the digitalization of social and economic life.The digital economy aggravates the rational limitations and decision-making/behavioral risks facing students.This paper analyzes the impact of digital socioeconomic environment on the cognition and behavior of college students,and studies the students’financial risk exposure and risk amplification effect of digital environment,and the social psychic factor of the college students.This paper proposed a new framework composed both cognitional and behavioral perspective for cultivation of college students’financial literacy,based on the perspective theory and choice architecture theory.

关 键 词：行为经济学 青年学生 财经素养 培育 

分 类 号：G40-013[文化科学—教育学原理]