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Consumer financial education and financial capability

机译：消费者金融教育和金融能力

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摘要

The purpose of this study was to explore potential effects of financial education on the financial capability of American consumers. Data from the 2012 National Financial Capability Study were used to test the hypothesis that financial education is positively associated with financial capability. Four financial literacy and behaviour variables were used to form a financial capability index. Multivariate linear regression results showed that, after controlling for demographic and financial variables, respondents who ever received financial education had higher scores in all financial capability indicators (objective financial literacy, subjective financial literacy, desirable financial behaviour, perceived financial capability and the financial capability index). In addition, high school, college and workplace financial education variables showed positive associations with these financial capability indicators. Additional state comparison analyses provided evidence suggesting high school financial education may have direct impacts and spillover effects on consumer financial capability.
机译：本研究的目的是探讨金融教育对美国消费者金融能力的潜在影响。 2012年国家金融能力研究的数据用于检验金融教育与金融能力成正相关的假设。四个财务素养和行为变量被用来形成财务能力指数。多元线性回归结果表明，在控制了人口统计学和财务变量之后，接受过金融教育的受访者在所有财务能力指标（客观财务素养，主观财务素养，理想的财务行为，可感知的财务能力和财务能力指数）中得分都较高）。此外，高中，大学和工作场所的财务教育变量与这些财务能力指标呈正相关。额外的状态比较分析提供了证据，表明高中金融教育可能会对消费者的金融能力产生直接影响和溢出效应。

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