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  • 朱涛,林璐,张礼乐.基于国际比较的中国居民金融素养特征研究[J].国际商务研究,2017,(1):85-96    [点击复制]
  • ZHU Tao,LIN Lu,Zhang Lile.[cn_title][J].INTERNATIONAL BUSINESS RESEARCH,2017,(1):85-96   [点击复制]
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基于国际比较的中国居民金融素养特征研究
朱涛,林璐,张礼乐
0
摘要:
国际上居民金融素养研究已广泛展开。本文基于国际比较的多层次知识点研究表明: 中国居民金融素养处于国际中等水平,对经济金融知识了解程度的自我评价较为客 观;得益于社会实践经验,居民对复利和通货膨胀知识了解程度与发达国家基本一 致,但对风险分散的认知存在显著偏差,尤其对同类金融产品的风险特征认知不清, 具体表现在对实现分散化投资效益的长期投资理念严重缺失。面临金融监管制度性 缺位和复杂的金融环境,保护中国金融消费者权益,满足居民不断增长的金融需求, 普及金融教育,提升公众金融素养才是最有效途径。
关键词:  金融素养  金融教育  养老规划  金融消费者权益保护  国际比较
DOI:
基金项目:
Research on Chinese Residents’ Financial Literacy Characteristics: Based on International Comparison
ZHU Tao,LIN Lu,Zhang Lile
Abstract:
Much research on financial literacy has been widely conducted. Based on international comparison of multi-level knowledge points, this paper shows that the level of financial literacy of Chinese residents belongs to the medium level internationally. Self-assessment of knowledge of economic principles and financial concepts is rather objective. Benefiting from practical experiences, the degree of knowledge of compound interest rate and inflation is similar to that of developed countries, but there exists an cognitive bias on risk diversification, especially on the risk characteristics of financial products, which often manifests as lack of long-term investment philosophy. Faced with the absence of financial regulation and complex financial environment, popularizing financial education, thus improving the level of financial literacy of the public is the most effective way to protect financial consumers’ interests and meet the growing financial needs of the residents.
Key words:  financial literacy  financial education  retirement planning  consumer protection  international comparison

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