金融教育影响了大学生的金融认知和金融行为吗——来自陕西的经验证据

Does Financial Education Affect Financial Literacy and Financial Behavior of College Students——An Empirical Study from Shanxi Province

运用Ordered logit回归方法,对陕西省1 337名大学生的问卷调查数据进行了计量分析,检验了学校教育、家庭教育对个人金融认知的影响以及金融认知和网络消费依存度对大学生金融行为的影响。经验分析结果表明:学校教育对个人金融认知的影响显著大于家庭教育,学校教育可以弥补城乡学生间个体金融认知的初始差异;相对于基础金融知识,拥有更多高级金融知识的个人更容易接受新兴金融产品;网络消费依存度高的个人更容易尝试新兴金融产品,而且网络实践经验对个人接受新兴金融产品的影响要大于书本教育。

Based on survey data collected on 1337 college students in Shanxi province, this paper aims to seek the relationship between school education, home education and financial literacy, test how financial literacy and the dependence on network consumption are used to affect financial behavior among college students. The result indicates： the impact of school education on personal financial literacy is significantly greater than home education;school education can make up for the initial financial literacy differences between urban and rural students. Compared to the basic financial knowledge,individuals with more advanced knowledge are more likely to accept the innovative financial products;those with high dependence on network consumption are more likely to use innovative financial products;the effect of network practice on individuals who accepted the innovative financial products is greater than textbook.