金融素养测评框架及其对金融决策的影响研究评述

金融素养指个人从事金融活动中所具备的基本知识和技能。近年来,居民金融素养普遍偏低与金融市场高度发达并存的"异象"引起了各国政府和学界的高度重视。有关金融素养研究的文献主要围绕如何科学测度居民的金融素养水平、居民金融素养对金融决策影响的理论机制和作用结果等方面展开。本文从以上几个方面对已有文献进行梳理与总结,以期厘清金融素养研究的脉络及国内外研究动态。

金融深化改革背景下关中地区农村居民金融素养测评体系及其影响因素研究

研究运用2017年对关中地区727个农村居民实地调研的微观数据,在构建农村居民金融素养测评体系的基础上,采用指标简单加总和熵权2种方法测算关中地区农村居民的金融素养水平,同时研究了2种测评方法下农村居民金融素养的影响因素。结果表明:1)2种测算方法下关中地区农村居民的金融素养水平普遍较低,且个体间差距较大;2)农村居民性别、年龄、受教育年限、家庭总年收入、从业类型、拥有在政府部门工作的亲戚朋友以及农村居民家中连接宽带均对农村居民的金融素养具有显著的正向影响。

金融监管电子政务的实现

随着信息化在各商业银行的普及 ,传统的金融监管模式受到巨大挑战 ,实现以非现场监管为主的金融监管电子政务势在必行。本文详细分析了实现金融监管电子政务的必要性 ,并对其实现加以探讨 ,以期能对我国在信息化时期金融监管工作有所启发。

Predicting Firms' Financial Failure Using Financial Ratios: an Empirical Studies of Chinese Firms

The stock market has played an important role in today’s China economy. Due to the fact that a number of the listed companies did not generate the return that the investors expected, the research on the causes of financial failure and predicting such financial failure becomes very important for future capital market development. The paper selected 43 ST(Special Treat) and 43 Non-ST companies as sample, using financial ratio and the factor analysis model to compare and analyse. This study especially analyses profitability, operation efficiency and development ability of firms and focuses on the design of an early warning system for possible financial failure of the listed companies by using factor analysis.

Student Self-assessment for Undergraduate, Graduate and Imernational Finance Courses

Assessing student learning can be exceedingly challenging considering that as faculty we never really know what a student knows prior to entering our classroom and what value-added material has been assimilated during the academic quarter. This research paper introduces a self-assessment instrument that focuses on ten major finance topics and reports the results of the administration of the self-assessment tool for finance education at the undergraduate and graduate level in courses taught in the United States and abroad. Ten topics of importance to most finance curriculum design were selected as the focus topics. The research methodology employed uses a pre-/post- test comparison with ＂understanding＂ being measured on a five-point Lichert scale as implemented in five different fmanee courses. Significant measurable differences occurred in each of the courses using this finance assessment instrument with overall average improvement of understanding by the students as much as one entire point. For exarnple, 1.5 mean score for the pre-test and 2.4 mean score for the post -test for an introductory finance class at the undergraduate level in a college of business. Additional improvements were assessed in each of the courses surveyed.

普惠金融视角下农村居民的金融素养特征与影响因素研究——基于三省的调查

普惠金融的纵深发展对农村居民的金融素养提出了更高的要求和挑战。基于PISA金融素养测评框架,结合中国农村金融和农村居民的实际特点,构建针对中国农村居民的金融素养测评指标体系,利用山东、河南和贵州三省的调查数据,分析中国不同地区农村居民的金融素养特征,探讨其影响因素。结果表明,农村居民的金融素养总体上呈现山东省、河南省、贵州省递减的趋势,在金融素养不同方面的得分差异也较大,并存在区际差异;农村居民的个人受教育程度、父母最高受教育程度、非农程度和风险偏好程度越高,金融素养越高;河南省和贵州省的男性居民的金融素养较高;参加金融教育的山东省和河南省农村居民的金融素养较高;山东省农村居民的金融素养在整个生命周期内呈递增趋势,河南省和贵州省农村居民呈递减态势;仅河南省农村居民的家庭人均收入对金融素养的提高具有正效应,但作用效果很弱。在此基础上,提出将金融教育纳入到九年义务教育中,以及加强金融教育计划、方案的内容和形式的针对性建议。