青少年财经素养测量工具的编制与评价

Compilation and Evaluation of Financial Literacy Measurement Tool for Teenagers

本研究在文献研究法和专家评估的基础上形成自编问卷,在重庆市随机选择了11所学校3200名学生进行抽样调查,基于探索性因子分析初步构建了青少年财经素养指标模型,包括收入与消费,储蓄与投资,风险与保险,制度与环境以及财富与人生5个一级指标以及12个二级指标,再通过验证性因子分析对模型拟合度进行分析。结果表明总体模型拟合度良好,构建了可供使用的具有中国特色的财经素养测评工具模型。

Based on literature research and expert evaluation,this study formsa self-made questionnaire.3200students from 11 schools were randomly selected to conducta sample survey in Chongqing.Based on exploratory factoranalysis,this paper constructs a model of financial literacy indicators for adolescents,including income and consumption,savings and investment,risk and insurance,institution and environment,wealth and life,and 12 secondary indicators.Thenthe model fitting degree is analyzed by confirmatory factor analysis.The results show that the overall model is fit well,anda financial literacy evaluation tool model with Chinese characteristics is constructed.