财商教育对家庭收入水平的影响研究——基于财商测评系统  

How Do Financial Quotient Education Affect the Household Income?--An Empirical Research Based on the Financial Quotient Assessment System

作　　者：冉皓中 RAN Hao-zhong(Research Institute of Economics and Management,Southwestern University of Finance and Economics)

机构地区：[1]西南财经大学经济与管理研究院,四川成都611130

出　　处：《当代金融研究》2024年第9期94-107,共14页Journal of Contemporary Financial Research

摘　　要：现代社会中,财商被认为与智商、情商并列的三大核心素质之一,其重要性日益凸显,成为经济社会中民众不可或缺的基本素养。提出财商评价体系,基于财商测评系统收集的数据,建立多分类有序Logit模型,探讨包括财商在内的多种因素对家庭收入的影响。结果表明,财商教育对家庭收入水平的影响受到经济发展速度的影响,两者存在高相关性;学历水平的提高并不能直接带来家庭收入的增加;家庭成员为3~4人时对收入水平有正向的提升作用;23~48岁人群的财商与收入水平较高,地区性控制变量的显著性证明该财商测评系统的有效性。基于此,建议推动普惠金融提质扩面,大力发展新质生产力,加强财商教育,加快建立系统性财商通识培训体系并定期组织国民财商水平的检测。In modern society,financial quotient(FQ)is considered as one of the three indispensable qualities alongside IQ and EQ.FQ has increasingly become a necessary quality for people in economic society.Based on the data collected by the financial quotient evaluation system,establishes the ordinal logit regression model to explore the impact of various factors including financial quotient on household income.The results show that the impact of financial quotient education on household income level is affected by economic development speed,and there is a high correlation between the two variables;An increase in educational attainment does not directly lead to an increase in household income;When the number of family members is 3~4,it has a positive effect on the income level;The financial quotient and income of people aged 23~48 are relatively higher,and the significance of regional control variables proves the effectiveness of the evaluation system.Based on this,this paper suggests promoting the quality and expansion of inclusive finance,vigorously developing new quality productive forces,strengthening financial quotient educations,accelerating the establishment of a systematic financial quotient general training system and regularly organizing national financial quotient level tests.

关 键 词：家庭金融 财商 财商测评 新质生产力 有序LOGIT模型 

分 类 号：F832.48[经济管理—金融学]