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5月31日,肖经建(美国罗德岛大学)
发布时间:2017-05-23   发布人:zs   点击数:526

报告人:肖经建,美国罗德岛大学

时间:5月31日,周三下午2:00

地点:博学楼1222

题目:Consumer Financial Education, Capability and Wellbeing

摘要:This study is to investigate roles of financial literacy, financial behavior, and financial capability as mediating factors between financial education and financial satisfaction. The data is from the 2012 National Financial Capability Study, a large national dataset with detailed information on financial satisfaction, education, literacy, behavior, capability, and related variables. Mediation analyses are used to answer research questions. Financial education may affect financial satisfaction, a subjective measure of financial wellbeing, through financial literacy, financial behavior, and financial capability variables. Results show that subjective financial literacy, desirable financial behavior, and a financial capability index (a sum of Z scores of objective financial literacy, subjective financial literacy, desirable financial behavior, and perceived financial capability) are strong mediators between financial education and financial satisfaction. The findings have implications for financial service professionals to take advantages of multiple benefits of financial education in content acquisition, confidence in knowledge and ability, and action taking when they communicate with their clients. Policymakers in consumer financial education may use the information to advocate and promote effective education programs to improve consumer financial wellbeing. This study is the first of this kind to examine the association between financial education and financial satisfaction and several financial capability variables as mediating factors.

报告人简介:肖经建,俄勒冈州立大学消费经济学博士,罗德岛大学消费金融学教授,从事消费者行为和消费者理财能力的研究。在International Journal of Consumer Studies, Journal of Business Research, Journal of Consumer Affairs, Journal of Public Policy and Marketing, Social Indicators Research期刊等发表论文数十篇,现担任Journal of Financial Counseling and Planning期刊主编以及International Series on Consumer Science和Handbook of Consumer Finance Research等丛书主编,Journal of Consumer Affairs,Journal of Personal Finance,Journal of Family and Economic Issues等多个学术期刊编委。

 

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