西宁市居民家庭金融素养调查影响研究

Investigation on Household Financial Literacy in Xining City

金融素养是近年来消费者金融研究的一个新兴领域,这不仅仅是消费者金融知识的积累,更是消费者进行金融实践的指向标,能够促使消费者做出正确的金融决策并实现其财产的保值升值。文章以西宁市为例,通过问卷调查分析发现居民家庭金融素养的总体水平偏低,金融知识匮乏,缺少必备的金融技能,并针对此问题提出相关对策。

financial literacy is an emerging field of consumer finance research in recent years. This is not only the accumulation of consumer financial knowledge, but also the indicator of consumer financial practice. It can promote consumers to make correct financial decisions and realize the value of their property preservation and appreciation. Taking xining city as an example, the paper found that the overall level of financial literacy of its residents was low, the financial knowledge was scarce, the necessary financial skills were lacking, and the relevant countermeasures were put forward.