中国居民金融素养差异性的测度实证

An Empirical Measure of Chinese Gap in Financial Literacy

研究目标:测度中国居民金融素养性别差异的存在性和差异产生的原因。研究方法:构建居民金融素养的测量指标,全国范围内抽样调查和实证分析。研究发现:一是无论是客观金融素养或是主观金融素养,女性的金融素养都显著低于男性,在控制了年龄、受教育程度、收入等因素后差异仍然显著;二是认知能力中的数学能力和风险态度对金融素养性别差异有显著的解释能力,但是认知能力中的语文能力和婚姻中的性别分工对金融素养性别差异缺乏显著的解释能力。研究创新:基于中国居民家庭调研数据的金融素养的性别差异研究。研究价值:有助于我国消费者金融教育战略的制定与实施,提高金融教育的针对性和有效性。

Research Objectives:This paper is to measure the existence and reasons of gender differences in financial literacy of Chinese residents.Research Methods: This paper establishes the index of financial literacy,and carries out nationwide sampling and empirical analysis.Research Findings: Firstly,the financial literacy of women is significantly lower than that of men in both objective and subjective financial attainment.The difference is still significant after controlling the factors such as age,education level and income.Secondly,the ability of mathematics and risk attitude in cognitive ability can significantly explain the gender gap in financial literacy.But the ability of language in cognitive ability and the gender division in marriage lack a significant ability to interpret gender gap in financial literacy.Research Innovations: This paper is the study of gender differences in financial literacy based on Chinese household survey data.Research Value: It is helpful for implementation of Chinese consumer financial education strategy.It is useful for improve financial education pertinence and effectiveness.