女性金融素养提升影响因素及路径研究

Research on the Influencing Factors and Paths of Improving Female Financial Literacy

金融素养对家庭和社会的稳定发展产生日益重要影响,论文通过对女性金融素养的问卷调查,分析了女性金融素养的现状和影响因素。研究发现,女性金融素养水平相对较低,获取金融知识的途径主要依赖互联网,政府宣传力度不足,同时女性在获取金融知识方面缺乏主动性。受教育程度较高的女性对金融知识的掌握相对更多,金融素养也相应较高。女性在储蓄方面具备一定意识,但在投资理财及风险控制方面表现较弱。针对这些问题,本文提出了制定有针对性的金融教育政策、鼓励金融机构开展女性友好的金融产品和服务、加强女性金融权益保障等政策建议。

Financial literacy has an increasingly important impact on the stable development of families and society. The paper analyzes the status and influencing factors of women’s financial literacy through questionnaires for women’s financial literacy. Studies have found that the level of women's financial literacy is relatively low. The way to obtain financial knowledge mainly depends on the Internet. The government has insufficient publicity. At the same time, women lack initiative in obtaining financial knowledge. Women with a high degree of education have relatively more mastery of financial knowledge, and financial literacy is correspondingly high. Women have a certain awareness of savings, but they perform weakly in investing in wealth management and risk control. In response to these issues, this article proposes policy suggestions such as formulating targeted financial education policies, encouraging financial institutions to carry out women’s friendly financial products and services, and strengthening the protection of women’s financial rights and interests.