财经素养的内涵与三元结构

The Definition and Triarchic Structure of Financial Literacy

自20世纪90年代初对财经素养的经济学研究兴起,这一领域已有长足发展,然而,心理学对财经价值观的研究一直处于与之分离状态,学界对财经素养内涵与结构的认识鲜有突破。本文对财经素养研究文献进行了学术史的梳理,并整合经济学和心理学的人性观(经济人与社会人),对其内涵作了界定,提出了财经素养的"三元"结构:财经素养是财经知识、财经能力、财经价值观三者的综合体。

Since the begging of economic research on financial literacy in 1990s,this field has made a great progress in empirical investigation.However,psychological research on financial values has been developing along an independent path.By now,there is no any fundamental theoretical breakthrough in integrating two approaches.In this paper,we first systematically review the previous literature of financial literacy,then integrate the two different human nature views(homo economicus vs.homo sociologicus)rooted in economics and psychology to reconceptualize financial literacy,and propose a triarchic structure:Financial literacy is a composite consisting of financial knowledge,financial capacities,and financial values.