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主观金融素养和客观金融素养对居民消费的影响

作者:冯雪宁

院校:新疆财经大学(新疆 乌鲁木齐 830000)

摘要:本文旨在研究主观金融素养和客观金融素养对居民消费的影响。通过分析主观金融素养,包括消费观念和金融决策,以及客观金融素养,包括金融知识和理解以及金融技能和能力,与居民消费之间的关系。研究结果表明,具有较高主观金融素养水平的个体更倾向于进行理性的消费决策,而具有较高客观金融素养水平的个体更有可能做出优化的消费决策。因此,提高个体的金融素养水平有助于在消费决策中更加理性地考虑利益和风险,并更好地规划个人财务。本文的研究结果对于加强金融教育和培训,提高居民的金融素养水平,促进更加稳健和可持续的个人消费行为具有重要意义。

关键词

主观金融素养;客观金融素养;居民消费;消费观念;金融决策;金融知识;金融技能;理性消费;个人财务

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参考

参考文献
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