世界经合组织金融素质测量工具的实用性评估——基于甘肃省辖集中连片特殊困难地区实地调查

doi:10.12005/orms.2018.0222

运筹与管理 ›› 2018, Vol. 27 ›› Issue (9): 190-199.DOI: 10.12005/orms.2018.0222

• 管理科学 • 上一篇

世界经合组织金融素质测量工具的实用性评估——基于甘肃省辖集中连片特殊困难地区实地调查

郭学军^1,2, 侯玉君², 冯昱², 郭立宏¹

1.西安理工大学经济与管理学院,陕西西安 710048;
2.兰州理工大学经济管理学院,甘肃兰州 730050

收稿日期:2017-02-19 出版日期:2018-09-25
作者简介:郭学军(1976-),男,甘肃武威人,博士研究生,讲师,研究方向:家庭金融;侯玉君(1974-),女,河北人,讲师,研究方向:统计学;冯昱(1994-),女,陕西榆林人,硕士,研究方向:统计学;郭立宏(1962-),男,陕西华县人,教授,博士生导师,研究方向:金融学。
基金资助:
教育部人文社科规划基金项目(16YJA30015);甘肃省哲学社会科学规划项目(YB079);陕西省教育厅专项项目(16JK1291)

Practical Evaluation of the OECD Measuring Instrument of Financial Literacy——Based on Field Survey of Concentrated Destitute Areas in Gansu

GUO Xue-jun^1,2, HOU Yu-jun², FENG Yu², GUO Li-hong¹

1.School of Economics and Management, Xi’an University of Technology, Xi’an 710048, China;
2.School of Economics and Management, Lanzhou University of Technology, Lanzhou 730050, China

Received:2017-02-19 Online:2018-09-25

摘要/Abstract

摘要： 为了推进国家间国民金融素质比较研究,世界经合组织(OECD)构建了标准化的跨国金融素质测量工具,目前该工具已被30多个国家采信,对于后发国家具有重要的借鉴意义。然而,金融素质是高度情境化的构念,测量工具的情境化是保证测量结果稳健可靠的必要环节。为此,本文实施了针对该工具措辞和计分体系的实用性调查,此次调查的对象分别为相关领域专家和甘肃省辖集中连片特殊困难地区农户,旨在为该工具中国化的路径选择提供佐证。调查结果显示,对于受访农户而言,该工具中“通货膨胀的认知”等5个问题的措辞过于复杂,需要进一步修正;不同类型专家对该工具各构成要件的重要性评估未形成一致意见,需要进一步探寻上述差异产生的原因及其可能的弥合方式。

关键词: 金融素质, 测量工具, 实用性评估, 措辞, 计分体系

Abstract: To provide the opportunity of comparing the citizen’s financial literacy across countries, the OECD developed a standard measuring instrument for international financial literacy measurement exercise. So far, more than 30 countries have used it to collect data and it has become a model for other late-start countries. However financial literacy is a contextual construct, and it is essential for ensuring the robust measurement results to contextualize the measuring instrument. In this sense, for a sake of providing evidence for how to indigenize the above-mentioned measuring instrument in China, a survey is conducted with relevant specialists and farmers who live in concentrated destitute areas in Gansu province to evaluate the practicality of the measuring instrument on its wording of questions and score system. The received results indicate that there are 5 questions such as “definition of inflation” in the above-mentioned measuring instrument, whose wording of the questions is so difficult for the respondents that it has to be revised. Besides, since there are no consensus on the importance of the instrument’s components in different types of specialists, it is necessary to search after the causes of these differences further and the way to bridge them.

Key words: financial literacy, measuring instrument, practical evaluation, wording, score system

中图分类号:

F830

郭学军, 侯玉君, 冯昱, 郭立宏. 世界经合组织金融素质测量工具的实用性评估——基于甘肃省辖集中连片特殊困难地区实地调查[J]. 运筹与管理, 2018, 27(9): 190-199.

GUO Xue-jun, HOU Yu-jun, FENG Yu, GUO Li-hong. Practical Evaluation of the OECD Measuring Instrument of Financial Literacy——Based on Field Survey of Concentrated Destitute Areas in Gansu[J]. Operations Research and Management Science, 2018, 27(9): 190-199.

参考文献

[1]Van Rooij M, Lusardi A, Alessie R. Financial literacy and stock market participation[J]. Journal of Financial Economics, 2011, 101(2): 449-472.
[2]Lusardi A, Mitchell O S. Financial literacy and retirement planning in the united states[J]. Journal of Pension Economics and Finance, 2011, 10(4): 509-525.
[3]Sekita S. Financial literacy and retirement planning in japan[J]. Journal of Pension Economics and Finance, 2011, 10(4): 637-656.
[4]Hastings J S, Mitchell O S. How financial literacy and impatience shape retirement wealth and investment behaviors[R]. National Bureau of Economic Research Working Paper 16740, 2011.
[5]Brown M, Graf R. Financial literacy and retirement planning in Switzerland[J]. Numeracy, 2013, 6(2): 6.
[6]Arrondel L, Debbich M, Savignac F. Financial literacy and financial planning in france[J]. Numeracy, 2013, 6(2): 8.
[7]Beckmann E. Financial Literacy and Household Savings in romania[J]. Numeracy, 2013, 6(2): 9.
[8]尹志超,宋全云,吴雨.金融知识,投资经验与家庭资产选择[J].经济研究,2014,49(4):62-75.
[9]曾志耕,何青,吴雨,尹志超.金融知识与家庭投资组合多样性[J].经济学家,2015,(6):86-94.
[10]Lusardi A. Overcoming the saving slump: how to increase the effectiveness of financial education and saving programs[M]. Chicago: University of Chicago Press, 2008.
[11]Lusardi A, Tufano P. Debt literacy, financial experiences, and over indebtedness[R]. National Bureau of Economic Research Working Paper 14808, 2009.
[12]Atkinson A, Messy F A. Assessing financial literacy in 12 countries: an OECD/INFE international pilot exercise[J]. Journal of Pension Economics and Finance, 2011, 10(4): 657-665.
[13]Organization for economic co-operation and development(OECD). National strategies for financial education[R]. OECD Publishing, 2015.
[14]Holzmann R. Bringing financial literacy and education to low and middle income countries: the need to review, adjust, and extend current wisdom[R]. The Institute for the Study of Labor Discussion Paper 5114, 2010.
[15]Organization for economic co-operation and development(OECD). OECD/INFE Toolkit for measuring financial literacy and financial inclusion[R]. OECD Publishing, 2015.
[16]Capuano A, Ramsay I. What causes suboptimal financial behaviour? an exploration of financial literacy, social influences and behavioural economics[R]. University of Melbourne Legal Studies Research Paper 540, 2011.
[17]国务院.国务院关于印发推进普惠金融发展规划(2016~2020年)的通知
[18]甘犁.中国农村家庭金融发展报告[M].西南财经大学出版社,2014.
[19]梁爽,张海洋,平新乔,郝朝艳.财富、社会资本与农户的融资能[J].金融研究,2014,(4):83-97.
[20]中国共产党中央委员会国务院.关于实施乡村振兴战略的意见.
[21]马双,赵朋飞.金融知识,家庭创业与信贷约束[J].投资研究,2015,34(1):25-38.
[22]张号栋,尹志超.金融知识和中国家庭的金融排斥——基于CHFS数据的实证研究[J].金融研究,2016,(7):80-95.
[23]宋全云,吴雨,尹志超.金融知识视角下的家庭信贷行为研究[J].金融研究,2017,(6):95-110.

世界经合组织金融素质测量工具的实用性评估——基于甘肃省辖集中连片特殊困难地区实地调查

Practical Evaluation of the OECD Measuring Instrument of Financial Literacy——Based on Field Survey of Concentrated Destitute Areas in Gansu

PDF

可视化

摘要/Abstract

引用本文

使用本文

参考文献

相关文章 15

编辑推荐

Metrics

[1]	张茂军, 李昊, 南江霞, 王国栋. 银行间与交易所国债市场的信息溢出效应研究[J]. 运筹与管理, 2021, 30(12): 165-171.
[2]	宗喆, 郑重阳, 王涧秋, 赵辉. 沪铜期货及其期权的量化定价实证研究[J]. 运筹与管理, 2021, 30(12): 179-184.
[3]	贾丽娜, 王芳云, 李慧瑛, 孙辉. 我国基金博彩型股票交易是博彩偏好的结果吗？——基于信息挖掘视角[J]. 运筹与管理, 2021, 30(12): 191-197.
[4]	吴可可, 余燕, 董大勇. 投资者注意的风险补偿对股市回报的预测[J]. 运筹与管理, 2021, 30(12): 198-203.
[5]	喻均林, 何瑞铧. 管理层业绩预告会影响定增价格吗？——基于中介效应的视角[J]. 运筹与管理, 2021, 30(12): 204-211.
[6]	程新生, 孙红艳, 贾晓玲. 机构投资者增持的经济后果:基于定向增发的实证研究[J]. 运筹与管理, 2021, 30(11): 135-141.
[7]	杨亚娟, 马如飞, 陈孔艳. 经济政策不确定性对“中-美”股市、“中国股市-黄金市场”的长期动态相关性影响研究———基于DCC-MIDAS模型[J]. 运筹与管理, 2021, 30(11): 142-146.
[8]	杨兴雨, 刘伟龙, 赵雪瑾, 张永. 考虑破产控制的多期模糊资产-负债组合优化模型[J]. 运筹与管理, 2021, 30(11): 147-154.
[9]	侯剑, 白雪斌, 周艳明. 供应链金融借贷市场中均衡解的存在性研究[J]. 运筹与管理, 2021, 30(10): 102-106.
[10]	朱怀念, 朱莹. 跳扩散模型下的非零和随机微分投资组合博弈[J]. 运筹与管理, 2021, 30(10): 183-190.
[11]	付帅帅, 陈伟达, 丁军飞, 王丹丹. 考虑不同融资金额需求的授权再制造融资策略研究[J]. 运筹与管理, 2021, 30(10): 213-219.
[12]	师苑, 王新华, 高红伟. 三级供应链企业间交叉持股时均衡定价及市场绩效研究[J]. 运筹与管理, 2021, 30(9): 145-151.
[13]	刘桂芳, 徐维军, 黄静龙, 赵琪. 考虑公司信息披露情绪的欧式脆弱期权定价[J]. 运筹与管理, 2021, 30(9): 164-171.
[14]	谭春萍, 秦学志, 王文华, 王麟. 基于权益再融资与策略性债务支付的公司财务困境纾解研究[J]. 运筹与管理, 2021, 30(8): 181-189.
[15]	迟国泰, 李哲. 基于动态调整的Copula-非线性分位数回归资产组合优化[J]. 运筹与管理, 2021, 30(6): 35-41.