金融教育需求、闲暇时间配置与消费者金融教育选择

Demands of Financial Education, Allocation of Leisure Time and Choice of Consumer Financial Education

家庭金融市场参与程度和质量的提升,有赖于消费者接受金融教育水平的提高,这使得消费者对于金融教育的需求逐渐增加。这一过程需要消费者通过有效配置闲暇时间用于学习和掌握相关金融知识来实现。在学习金融知识的过程中,消费者实际花费的时间受到学习目标、学习途径、知识的难易程度以及消费者个体特征等因素的影响。这种消费者金融教育的选择机制在理论模型中通过"时间价格"效应得到了论证。结合家庭微观调查数据进行的实证分析进一步发现,消费者选择金融教育的群体性差异十分显著,"快餐"式学习特征明显,高校教育资源被"遗漏"。上述结论的获得将有助于金融机构在未来有针对性地规划消费者金融教育的实施路径,进一步提高消费者金融教育水平。

The promotion of the level and quality of household financial market participation depends on the level of consumer financial education, leading to the constant increase in the demands of consumer financial education. The process is achieved by consumers through the allocation of leisure time effectively for learning and mastering financial knowledge. During the process of learning financial knowledge, the time actually spent on learning is affected by learning goals, learning paths, the difficulty of knowledge and other individual characteristics. The mechanism of consumer financial education choice is proved by the time-price effect in theoretical model. Using micro-survey data for empirical analysis, it further shows that the feature of group differences of financial education is very significant, fast-food learning is obvious and education resources of colleges and universities are omitted. The conclusions abovementioned help financial institutions to pointedly plan the implementation path of consumer financial education in the future and further improve consumer financial education level.