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首页> 外文期刊>Journal of consumer policy >Does Consumer Financial Management Behavior Relate to Their Financial Access?
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Does Consumer Financial Management Behavior Relate to Their Financial Access?

机译：消费者财务管理行为是否与其财务访问有关？

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摘要

Financial management behavior and financial access are important to overall financial well-being, yet have not been well studied. This study contributes to the literature of financial access and financial management behavior by empirically exploring relevant factors for each and the relationship between them. The data are derived from the 2012 and 2015 National Financial Capacity Study. Exploratory factor analysis (EFA) was applied to derive the factors relevant for consumer financial access and consumer financial management behaviors. Confirmatory factor analysis (CFA) was applied to establish reliability and construct validity of the identified factors. The structural equation modeling and linear regression were jointly used to examine the relationship between them. Results suggest that consumer financial access consists of a nine-element structure: savings accounts, checking accounts, retirement accounts, retirement plans, emergency funds, homeownership, investments, credit, and health insurance. Financial management behavior consists of a five-element structure: consumption, cash management, emergency savings, small-dollar consumer loans, and credit management. Financial management behavior is significantly associated with financial access. Better consumer financial management behavior is associated with better financial access. Policy implications are discussed.
机译：财务管理行为和财务访问对整体财务福祉至关重要，但尚未得到很好的研究。本研究通过凭经验探索各自的相关因素以及它们之间的关系，有助于财务访问和财务管理行为的文献。数据来自2012年和2015年国家财务能力研究。应用探索性因子分析（EFA）衍生出对消费者财务访问和消费者财务管理行为相关的因素。应用确认因子分析（CFA）来建立可靠性和构建确定因素的有效性。结构方程建模和线性回归共同用来检查它们之间的关系。结果表明，消费者财务访问包括九元结构：储蓄账户，支票账户，退休账户，退休计划，应急资金，房屋维修，投资，信贷和健康保险。财务管理行为包括五元素结构：消费，现金管理，紧急储蓄，小美元消费贷款和信用管理。财务管理行为与财务访问显着相关。更好的消费者财务管理行为与更好的财务访问相关。讨论了政策影响。

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