金融素养教育对家庭资产配置行为的影响机制 -金融学专业

摘要

随着经济全球化和金融市场的快速发展，家庭资产配置行为日益复杂化，而金融素养教育作为提升个体决策能力的重要手段，其对家庭资产配置的影响机制亟待深入探讨。本研究旨在分析金融素养教育如何通过认知、心理及行为路径影响家庭的资产配置决策，并进一步揭示其作用机制。金融素养教育显著提升了家庭的风险认知能力和投资决策水平，同时通过增强信心和减少偏差心理间接优化了资产配置结构。研究发现金融素养教育的效果存在异质性，高收入家庭和受教育程度较高的群体从中受益更为明显。本研究的创新点在于首次将心理学理论引入金融素养教育的研究框架，系统剖析了认知与情感因素在资产配置中的交互作用，强调了普及高质量金融教育的重要性，以促进家庭财富管理的科学化与合理化。

关键词：金融素养教育；家庭资产配置；认知与心理路径；中介效应；异质性影响

The Mechanism of Financial Literacy Education on Household Asset Allocation Behavior

英文人名

Directive teacher:×××

Abstract

With the rapid development of economic globalization and financial market, family asset allocation behavior is becoming more and more complicated. As an important means to improve individual decision-making ability, financial literacy education needs to be further explored on its influence mechanism on family asset allocation. This study aims to analyze how financial literacy education influences family asset allocation decisions through cognitive, psychological and behavioral pathways, and further reveal its mechanism. Financial literacy education significantly improves the family's risk cognition ability and investment decision-making level, and indirectly optimizes the asset allocation structure by enhancing confidence and reducing bias psychology. The study found heterogeneity in the effects of financial literacy education, with higher income families and more educated groups benefiting more. The innovation of this study is that it introduces psychological theory into the research fr amework of financial literacy education for the first time, systematically analyzes the interaction between cognitive and emotional factors in asset allocation, and emphasizes the importance of popularizing high-quality financial education to promote the scientific and rational management of family wealth.

Keywords: Financial Literacy Education；Household Asset Allocation；Cognition And Psychological Path；Mediating Effect；Heterogeneous Impact

引言 1

一、金融素养教育的理论基础与框架 1

(一)金融素养教育的核心概念 1

(二)家庭资产配置行为的定义 2

(三)影响机制的理论模型构建 2

二、金融素养教育对风险认知的影响 3

(一)风险认知在资产配置中的作用 3

(二)金融素养教育提升风险识别能力 4

(三)教育干预对风险偏好调整的影响 4

三、金融素养教育对决策能力的作用 5

(一)决策能力与家庭资产配置效率 5