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首页> 外文期刊>Margin: The Journal of Applied Economic Research >Financial Knowledge and Behaviour of Working Adults in Malaysia
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Financial Knowledge and Behaviour of Working Adults in Malaysia

机译：马来西亚在职成年人的财务知识和行为

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摘要

Financial education is a key intervention strategy in improving consumers' financial knowledge, but exogenous factors such as cultural differences and socio-economic factors can also affect the levels of financial knowledge. On using an ordered probit model on primary data comprising working adults in Malaysia, this study found that financial illiteracy cuts across gender and age but education, ethnicity, type of profession and the availability of government pension have significant effects on levels of financial knowledge. Furthermore, while most financial behaviour such as budgeting, investments and preparing for financial emergencies is significantly affected by levels of financial knowledge, being in financial distress is not affected by financial knowledge.
机译：金融教育是提高消费者金融知识的一项重要干预策略，但是文化差异和社会经济因素等外在因素也会影响金融知识的水平。在对包括马来西亚成年人在内的主要数据使用有序概率模型时，该研究发现金融文盲覆盖了性别和年龄，但是教育程度，种族，职业类型和政府养老金的可获得性对金融知识水平有重大影响。此外，虽然大多数财务行为（例如预算，投资和为财务紧急情况做准备）都受到财务知识水平的显着影响，但陷入财务困境却不受财务知识的影响。

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