中国公民财经价值观测验编制

The Development of Financial Values Tests for Chinese Citizens

财经价值观是财经素养“三元”结构中具有动力性和导向性作用的重要成分,然而国内外有关研究一直未予以重视,也没有相应的标准化测量工具。本研究通过文献分析、专家访谈、实际财经活动考察和理论归纳,提出财经价值观包括理财价值观、财富价值观和财经伦理观三个方面内容,并分别编制了测验。经过反复测试和修订确定了最终测验,并分析了其结构:理财价值观测验包括理财认知、理财正性情感和理财负性情感三个因素;财富价值观测验包括个体性价值、社会性价值和超然性价值三个因素;财经伦理观测验包括自我-他人伦理、自我-集体伦理、自我-国家伦理三个因素。各项测验均具有良好的信效度指标,它们一并构成中国公民财经价值观测验。

Financial values are important indicators with dynamic and guiding functions in the triarchic structure of financial literacy(together with financial knowledge and financial capacity),but up to now their importance has not been recognized and there has not been a set of standardized financial values measurement tools.Based on literature analysis,expert interview,investigation of financial activities and theoretical construction,this study proposed that financial values are a system consisting of financial management values,wealth values and financial ethics,and developed corresponding three tests.After several rounds of measurement and revision,the formal versions of the three tests were developed.Finally,the structure of each test was determined.Concretely,the test of financial management values includes three factors of cognition,positive emotion and negative emotion toward financial management activities.The test of wealth values involves comparison of money and wealth with three factors named personal value,social value and transcendent value.The test of financial ethics includes three factors such as self-other ethics,self-group ethics and self-nation ethics.All the three tests have good reliability and validity indexes,which together constitute the Financial Value Tests for Chinese citizens.