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Financial well-being: A conceptualization and research agenda

机译:财务状况:概念化和研究议程

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With savings rates at record lows and inadequate long-term financial planning for retirement, financial wellbeing has become an important topic for individuals and households as well as for societies and countries. Research on the topic, however, remains scarce and scattered across disciplines. The present paper aims to consolidate and extend knowledge on financial well-being and makes a three-fold contribution to the discussion. First, we propose a new definition based on a perceptual perspective of financial well-being and link it to an individual's current and anticipated desired living standard and financial freedom. We then develop a framework that distinguishes key elements of financial well-being; namely, interventions and financial behaviors, consequences, contextual factors, and personal factors. We then present a research agenda to guide future research on financial well-being. This work is designed to inspire researchers to continue expanding the knowledge so that financial institutions can take measures to increase financial well-being. (C) 2017 Elsevier Inc. All rights reserved.
机译:由于储蓄率处于创纪录的低位,并且对退休的长期财务规划不足,财务状况已成为个人和家庭以及社会和国家的重要话题。但是,对该主题的研究仍然很少,并且分散在各个学科中。本文旨在巩固和扩展有关财务状况的知识,并对此次讨论做出三点贡献。首先,我们根据对财务状况的感知来提出新的定义,并将其与个人当前和预期的期望生活水平和财务自由联系起来。然后,我们建立一个区分财务状况关键要素的框架;即干预和财务行为,后果,背景因素和个人因素。然后,我们提出一个研究议程,以指导有关财务状况的未来研究。这项工作旨在激发研究人员继续扩展知识,以便金融机构可以采取措施来提高金融福祉。 (C)2017 Elsevier Inc.保留所有权利。

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