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首页> 外文期刊>International Journal of Consumer Studies >Effects of financial education on sound personal finance in Korea: Conceptualization of mediation effects of financial literacy across income classes
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Effects of financial education on sound personal finance in Korea: Conceptualization of mediation effects of financial literacy across income classes

机译：金融教育对韩国健全个人财务的影响：跨收入阶层的金融知识调解效果的概念化

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This study analyzed the role of financial literacy as a mediator between financial education and sound personal finance to assess how financial education affects the soundness of personal finance. In particular, this study conducted three sets of mediation analyses using data from the 2014 Consumer Empowerment Index survey of the Korea Consumer Agency to verify whether the mediating relationship is valid across different income classes of the Korean population. The results suggest that financial literacy works as a mediator between financial education and sound personal finance in the high-income class and the middle-income classes. Therefore, policymakers should consider the limitations of financial education and financial literacy when addressing low-income consumers.
机译：这项研究分析了金融素养作为金融教育和健全的个人理财之间的中介者的作用，以评估金融教育如何影响个人理财的健全性。尤其是，这项研究使用来自韩国消费者管理局2014年消费者赋权指数调查的数据进行了三组调解分析，以验证这种调解关系对于韩国人口的不同收入类别是否有效。结果表明，金融素养在高收入阶层和中等收入阶层中充当金融教育与健全个人理财之间的中介者。因此，决策者在针对低收入消费者时应考虑金融教育和金融知识的局限性。

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