教育信息化对居民教育消费的影响

基于2010—2019年221个城市的面板数据和教育消费模型,实证分析了教育信息化对居民教育消费的直接影响与中介调节作用,进一步考察了教育阶段异质性、区域差异条件下教育信息化对居民教育消费的影响。结果发现:教育信息化显著促进居民教育消费,在收入对居民教育消费的影响中发挥正向调节作用,中国其他异质性特征城市同样如此;高等教育、学前教育、小学和中学教育信息化对居民教育消费的提振作用依次减弱;东部城市教育信息化对居民教育消费的提振作用明显强于中、西部城市。研究结论为教育信息化驱动居民教育消费升级,为推动信息化与教育现代化深度融合发展提供了经验证据,从微观层面找出了居民教育消费升级与教育现代化耦合发展的可行路径。

A Study on the Evaluation Method and Evaluation Model of the Effectiveness of Consumer Financial Education

With the understanding of the importance of financial education and research, the study of the effectiveness of financial education is more and more, but there have been debate on the effectiveness of financial education and education costs. This paper summarizes and classifies the methods and models to improve the effective research of financial education, including improving the effectiveness of financial education and improving the effectiveness of financial education through the design of different educational methods. The guiding principles of the evaluation of the effectiveness of financial consumer education proposed by the International Financial Consumers＇ Education Network （INFE） and the guidance of our government on the evaluation of the effectiveness of financial education.