财经知识的概念、结构和测量

The Concept,Construct and Measurement of Financial Knowledge

财经知识是财经素养三元结构的重要组成部分。现有研究在财经知识的概念、内容、测量等方面都存在一些混淆,本文梳理了该领域的文献资料,提出财经知识需要与财经能力和一般能力相区别,聚焦于我国公民生活息息相关的重要财经概念和原理,包含日常收支、财富管理、风险防范和财经视野四个方面。未来研究可以以此为依据,建立标准化财经知识测验,进一步检验这一内容结构的合理性,并考察财经知识与财经能力、财经价值观的关系,以及对财经行为的预测作用。

Financial knowledge is an important part of the“triarchic structure”of financial literacy.Existing studies have some confusions in the concept,construct,and measurement of financial knowledge.This article reviews the literature in this field,and proposes that financial knowledge needs to be distinguished from financial capabilities and general capabilities,and focus on important financial concepts and principles that are closely related to the daily lives of Chinese citizens.Its structure contains the following four aspects,daily income and expenditure,financial management,risk prevention and financial landscape.Future research should use this framework as a basis to establish a standardized financial knowledge test to further verify the rationality of this content structure,and to examine the relationship between financial knowledge and financial capabilities,financial values,and the predictive role to financial behavior.