財(cái)務(wù)算術(shù)、凈值、財(cái)務(wù)管理技能客戶(hù)特征基礎(chǔ)上的財(cái)務(wù)風(fēng)險(xiǎn)承受能力[文獻(xiàn)翻譯]-在線(xiàn)瀏覽
2025-05-25 22:13本頁(yè)面
【正文】 redictors of a higher net worth. The link between financial risk tolerance and wealth acumination, as suggested above, is relatively wellknown in the practitioner and academic munities. More recently, the associations among risk tolerance, financial numeracy, and financial management skills, the latter concepts both being individual psychosocial factors, have garnered attention at the highest policy levels. It appears that across the spectrum of interests, policy makers, financial services practitioners, and researchers are looking for more evidence to help consumers make better financial decisions. Financial numeracy may provide a link to such evidence. The term financial numeracy is relatively new. Championed by Huhmann and McQuitty, financial numeracy is defined as “proficiency in processing, understanding, acquiring, and using financial information and concepts based on a consumers capacity and prior knowledge in this area.” Huhmann and McQuitty proposed a model of financial numeracy in an attempt to close the gap in the literature that shows an extremely limited amount of research by scholars to develop consensus definitions of related concepts, such as financial literacy, financial education, financial knowledge, or financial capability. In a sense, it appears that what some have called financial capability and financial literacy appear to be migrating and morphing into this new, broader construct known as financial numeracy. Huhmann and McQuitty argued that factors such as financial informationprocessing capacity, knowledge, and experience bine to allow individuals to navigate the plex financial marketplace. While related to cognitive ability and financial knowledge, the concept is as much a subjective evaluation of one39。 “Take average financial risks expecting to earn average returns” = 2。 and “Take substantial financial risks expecting to earn substantial returns” = 4. Using the language of PASW, the risk question was entered into the model as the primary fixed factor. Descriptive statistics for the question are shown in Table 1.The effect of financial risk toleranceTable provides evidence to address the three research hypotheses of this study. For financial numeracy, after controlling for age, individuals who classified them selves as not risk seeking (SCF = 1, 223。 = ) denotes that there was a negative relationship between risk tolerance and financial numeracy. Those who assessed themselves as having no risk tolerance scored, on average, points lower in financial numeracy than individuals who assessed themselves as substantial risk takers. In terms of net worth, after controlling for age, no risk takers displayed the lowest levels of selfassessed net worth (SCF = 1, 223。 = , p .05). As was the situation with financial numeracy and net worth, average, aboveaverage, and substantial risk takers we
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