中国公民财经知识测验编制

The Development of the Financial Knowledge Test for Chinese Citizens

财经知识是公民日常生活中处理好财经事务的必备素养,对公民的财经知识水平进行有效评估是财经素养研究和教育的基础性工作。本研究通过对现有关于财经素养测评的文献资料进行梳理,并结合专家访谈,提出我国公民应该具备财经视野、收支平衡、财富增长、风险防范这四个内容领域的财经知识。以这一概念框架为基础,针对每个领域编制财经知识题目,经过两轮施测和一轮专家评估,形成了一个由20个选择题组成的财经知识测验。最终版测验正式施测结果表明:所编制的中国公民财经知识测验的难度适中,项目区分度较好,内部一致性信度、重测信度、结构效度和效标关联效度均符合心理测量学的要求,是一项高质量的财经知识评估工具。

Financial knowledge is a necessary aspect for citizens to handle financial matters in their daily lives.An effective assessment of citizens financial knowledge is a fundamental work in the research and education of financial literacy.On the base of the existing literature and expert interviews,this study proposed that Chinese citizens should have financial knowledge in four content areas:financial vision,balance of payments,wealth growth,and risk prevention.Financial knowledge questions were compiled for each of these areas.After two rounds of administering the test and one round of expert assessment,a financial knowledge test consisting of 20 multiple-choice questions was developed.The final version of the test had moderate difficulty,good item differentiation,acceptable reliability,and fine validity.The test met psychometric requirements and was a high-quality financial knowledge assessment tool.