中国公民财经能力测验编制

The Development of Financial Capacity Test for Chinese Citizens

财经能力是财经素养“三元”结构之一,是个体理性财经行为的重要决定因素,然而目前缺少高质量的测评工具。本研究以中国公民为目标群体,编制了财经能力测验。首先,基于双加工理论提出财经能力的核心是理性决策能力,同时包括财经文本加工和财经数字加工等外周能力。其次,根据该理论构想编制了初步测验题库,经过两轮基于网络平台的测试与一轮实地纸笔测试不断修订,形成了包括三项分测验、15项题目的正式测验版本。最后,对574名被试施测正式测验,结果表明:中国公民财经能力测验的难度适中,项目区分度较好,内部一致性信度、重测信度、结构效度和效标关联效度均符合心理测量学的要求,是一项较好的财经能力评估工具。

Financial capacity is a component in the triarchic structure of financial literacy,which is an important determinant of one s rational financial decision making behavior.However,existing literature lacks an effective measurement to this component.The present study aimed to develop a financial capacity test for Chinese citizens.First,based on the dual process model we proposed that the core of the financial capacity is the ability to make rational decisions,and we further suggested some peripheral capacities in addition.Second,we developed a primary question bank according to the primary theoretical construct involving the above core and peripheral financial capacities,and then revised it following two rounds of online and one round of paper-and-pencil investigations.Finally,a formal test version including three sub-tests and 15 items was developed and administrated to a sample of 574 participants.The results showed that the financial capacity test for Chinese citizens exhibited a medium difficulty level and satatisfying discriminability,together with good internal consistency,test-retest reliability,structural and criterion-related validities,proving itself to be a good measurement of the financial capacity.