结构耦合与过程异质:金融素养的门槛效应研究  

Structural Coupling and Process Heterogeneity:A Study on the Threshold Effect of Financial Literacy

作　　者：傅文晓 赵文龙[2] FU Wenxiao;ZHAO Wenlong(School of Humanities and Arts,Xi'an International University,Xi'an,Shaanxi 710077,China;School of Humanities and Social Sciences,Xi'an Jiaotong University,Xi'an,Shaanxi 710049,China)

机构地区：[1]西安外事学院人文艺术学院,陕西西安710077 [2]西安交通大学人文社会科学学院,陕西西安710049

出　　处：《金融教育研究》2025年第2期25-41,共17页Research of Finance and Education

基　　金：国家社会科学基金项目“数字化贫困的教育治理:国际经验与本土方案”(BDX210285);陕西省教育厅科学研究计划项目“西部民办高校大学生社会与情感能力多模态干预研究”(24JK0203)。

摘　　要：聚焦金融素养,利用经济合作与发展组织(OECD)开展的PISA2018项目中涉及二十国的10余万数据,探究其影响因素与形成机制。通过基准回归发现数学、阅读素养等影响显著,但部分变量作用存疑。中介效应分析表明数学与阅读素养起平行中介作用,揭示学校、家庭金融教育等因素间接影响路径。门槛效应检验显示金融素养具三重门槛,基础素养低者提升受限,且各因素在不同门槛下影响各异。应重视教育生态整合、素养耦合及关注弱势群体,突破金融素养培育瓶颈,提升整体水平,促进金融素养教育科学发展。This study focuses on financial literacy and uses more than 100,000 data from 20 countries in PISA 2018 to explore its influencing factors and formation mechanism.Through benchmark regression,it is found that mathematics and reading literacy have significant effects,but the role of some variables is doubtful.The mediating effect analysis shows that mathematics and reading literacy play a parallel mediating role,revealing the indirect influence paths of factors such as school and family financial education.The threshold effect test shows that financial literacy has a triple threshold,and those with low basic literacy have limited improvement,and the influence of various factors varies under different thresholds.The study suggests paying attention to the integration of educational ecology,the coupling of literacy and the attention to the vulnerable groups;breaking through the bottleneck of financial literacy cultivation,improving the overall level,and promoting the scientific development of financial literacy education.

关 键 词：金融素养 中介效应 门槛效应 教育生态 PISA 

分 类 号：C40-054[社会学]