Consumer Financial Well-Being: Knowledge is Not Enough

被引：43

作者：

Lee, Jae Min ^{[1
]}

Lee, Jonghee ^{[2
]}

Kim, Kyoung Tae ^{[3
]}

机构：

[1] Minnesota State Univ, Dept Family Consumer Sci, 102 Wiecking Ctr, Mankato, MN 56001 USA

[2] Keimyung Univ, Dept Consumer Informat Studies, 1095 Dalgubeol Daero, Daegu 42601, South Korea

[3] Univ Alabama, Dept Consumer Sci, 312 Adams Hall, Tuscaloosa, AL 35487 USA

来源：

JOURNAL OF FAMILY AND ECONOMIC ISSUES | 2020年 / 41卷 / 02期

关键词：

Financial knowledge; Financial well-being; National financial well-being survey; Propensity to plan; PROPENSITY; CAPABILITY; PLAN;

D O I：

10.1007/s10834-019-09649-9

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

This study investigated the relationship between financial knowledge and financial well-being and included the moderating role of propensity to plan. This study used the Consumer Financial Protection Bureau's measure of financial well-being as it explains consumers' subjective sense of it. Results from the 2016 National Financial Well-Being Survey showed that financial knowledge and a propensity to plan were associated positively with financial well-being. This study also confirmed that the propensity to plan plays a moderating role that enhances the positive association between financial knowledge and financial well-being. Results from this study provide insights for financial practitioners, educators, and policymakers who help US households improve their financial well-being.

引用

页码：218 / 228

页数：11

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