金融素养与金融教育：基于1792样本的经验分析

Financial Literacy and Financial Education: Experience Analysis Based on 1792 Samples

摘要: 频频发生的校园贷悲剧引发了对大学生金融素养问题的关注，本文基于1792样本，实证分析三类金融教育对大学生金融素养的影响。首先，分别通过七个问题综合测度个体客观金融素养，三个问题综合度量个体主观金融素养水平；金融教育方面，遵循“干中学”的实践式金融教育理念，测度三类金融教育强度。在此基础上，采用逐步回归模型计量分析家庭、学校以及社会金融教育对大学生金融素养的影响。结果表明：主观方面，学校教育影响最大、社会教育次之；客观方面，学校教育影响最大，家庭次之。控制变量方面，性别、专业、父母教育背景等都存在不同影响。最后，根据上述结论，认为要加强学校、家庭以及社会的金融教育，并且针对一些特别专业学生需要特别值得关注政策建议。

Abstract: So many credit tragedies for college students cause a concern of the financial literacy of college stu-dents. This paper provides an experience analyse based on 1792 samples about 3 kinds of financial education. Firstly, college student’s subjective financial literacy level is measured with 7 factors, while objective financial literacy level is measured with 3 factors. Financial education is according to the principle of “doing by learning”, and measured by the financial activities from family, college or society. Secondly, the relation between financial literacy and financial education is analysed with gradual regression model. The results show that, education from college for the subjective financial literacy, is most important, and from society is of great influence; for the objective financial literacy, education from college is the critical factor, and from family is of great influence. For the controlling variables, sexuality, major and parents education level have different influence. Consequently, pro-posals as education from college, family and society should be strengthened, and some majors should be given special attentions.