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A Quantitative Study on the Relationship Between Family Relationships and Financial Education on Financial Risk Tolerance.

机译：家庭关系与金融风险容忍教育之间关系的定量研究。

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摘要

In the financial industry, financial risk tolerance is known to influence the creation of wealth and financial security of individuals approaching retirement. The development of an investor's financial risk tolerance has been linked to a number of variables, including family relationships and education. Previous studies have shown that family relationships influence a child's interest, attitude, and approach toward education during adolescence. Moreover, education is associated with risky decision making by young adults. However, the degree to which financial education and positive family relationships predict financial risk tolerance is unknown. An understanding of financial risk tolerance during childhood will assist the financial industry in supporting the financial security of individuals approaching retirement. This quantitative study explored how positive family relationships and financial education predict adolescents' financial risk tolerance during their last two years of high school, employing a correlational non-experimental design. A structured survey was distributed to 229 students from two nonprofit international schools in Moscow and St. Petersburg, Russia. The correlation between the variables of financial education and financial risk tolerance was very weak, r = ?.08, p = .23. Since p > .05, it was concluded that the result was not statistically significant. There was also very weak correlation between a positive family relationship and financial risk tolerance, r = ?.09, p = .18. Since p > .05, it was concluded that the result was not statistically significant. A linear regression was calculated to predict financial risk tolerance during adolescence based on family relationship and financial education, beta = .02, p = .81. Since p > .05, it was concluded that a positive family relationship and financial education did not predict financial risk tolerance during adolescence. Thus, financial education and positive family relationships did not predict financial risk tolerance. In addition, there was a very weak correlation between positive family relationships and financial education on financial risk tolerance. Areas for future research will look towards developing additional insights into the family relationship (i.e., single parent family relationship), financial education (i.e., parental financial education), and their possible effects on financial risk tolerance.
机译：在金融行业中，众所周知，金融风险承受能力会影响即将退休的个人的财富创造和金融安全。投资者的财务风险承受能力的发展与许多变量相关，包括家庭关系和教育程度。先前的研究表明，家庭关系会影响孩子在青春期的兴趣，态度和接受教育的方式。此外，教育与年轻人做出危险的决定有关。但是，金融教育和积极的家庭关系预测金融风险承受能力的程度尚不清楚。对儿童期金融风险承受能力的理解将有助于金融业支持即将退休的个人的金融安全。这项定量研究探索了积极的家庭关系和金融教育如何使用相关的非实验设计来预测青少年在高中最后两年的财务风险承受能力。对来自莫斯科和俄罗斯圣彼得堡两所非营利性国际学校的229名学生进行了结构化调查。金融教育变量与金融风险承受能力之间的相关性非常弱，r =？.08，p = .23。由于p> .05，因此得出结论，该结果在统计学上不显着。积极的家庭关系与财务风险承受能力之间的相关性也很弱，r =？0.09，p = .18。由于p> .05，因此得出结论，该结果在统计学上不显着。基于家庭关系和金融教育，计算了线性回归以预测青春期的金融风险承受能力，beta = .02，p = .81。由于p> 0.05，因此得出结论，积极的家庭关系和理财教育并不能预测青春期的财务风险承受能力。因此，金融教育和积极的家庭关系并不能预测金融风险的承受能力。另外，积极的家庭关系与金融风险承受能力的金融教育之间的相关性很弱。未来的研究领域将着眼于对家庭关系（即单亲家庭关系），理财教育（即父母理财教育）及其对理财风险承受能力的影响产生更多见解。

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  • 作者

    Anderson, Travis.;

  • 作者单位

    Northcentral University.;

  • 授予单位 Northcentral University.;
  • 学科 Finance.
  • 学位 D.B.A.
  • 年度 2016
  • 页码 148 p.
  • 总页数 148
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

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