关于我国居民金融素养的文献综述

Literature Review on Financial Literacy of Chinese Residents

摘要: 随着我国金融市场体系的逐步完善，国民金融意识的逐渐成熟，金融素养在国民文化素质体系中的重要性日益凸显，体现在金融素养影响着个人和社会经济上。为了探究金融素养的影响因素及其效应，本文对国内外相关文献进行了总结：首先，通过对金融素养测度方法的分析，明确金融素养的概念、探究其外在表现；其次，总结我国居民金融素养的现状，对我国居民金融素养现状的各个方面进行分析，并对现状出现的原因进行了分析；另外，探究影响我国居民金融素养的因素及金融素养带来的效应；最后，为提升我国居民金融素养的政策制定提供建议。

Abstract: With the gradual improvement of China’s financial market system and the gradual maturity of na-tional financial consciousness, the importance of financial literacy in the national cultural quality system is becoming increasingly prominent, which is reflected in the impact of financial literacy on individuals and economy. In order to explore the influencing factors and effects of financial literacy, this article summarizes the relevant national and foreign researches: First, by analyzing the meas-urement methods of financial literacy, clarify the concept of financial literacy and explore its exter-nal performance; secondly, it summarizes the current situation of Chinese residents’ financial liter-acy, analyzes all aspects of the current situation of Chinese residents’ financial literacy, and analyzes the reasons for the current situation; in addition, it explores the factors affecting Chinese residents’ financial literacy and the effects of financial literacy; finally, it provides suggestions for poli-cy-making to improve the financial literacy of Chinese residents.