A szlovák háztartások pénzügyi kultúrája
DOI:
https://doi.org/10.35551/PFQ_2025_1_9Kulcsszavak:
Pénzügyi készségek, pénzügyi stabilitás, oktatás és gazdasági fejlődés, G41, G53, H31, I25, J24Absztrakt
A fogyasztók helyzetének megerősítése messzemenő előnyökkel jár, beleértve a jobb döntéshozatalt, a pénzügyi közvetítők jobb szolgáltatásait és végső soron az általános pénzügyi stabilitást. Tanulmányunkban azt kutatjuk, hogy hogyan érhető el a pénzügyi kultúra azon színtje, ahol a háztartások a pénzügyi döntéseiknél figyelembe veszik a várható gazdasági sokkhatásokat, és így jobban tudnak rá reagálni. Induktív és deduktív kutatási módszerek alkalmazásával fel-állítunk egy hipotézist a szlovák háztartások pénzügyi és fogyasztási szokásainak felmérésére támaszkodva, amit a Szlovák Nemzeti Bank készített, és az Európai Központi Bank koordinált. Bemutatjuk, hogy lakosság iskolai végzettsége milyen hatással van a pénzügyi műveltségi szintjére, és hogyan befolyásolja a pénzügyi döntéseket. Végül konkrét megoldásokat javasolunk a pénzügyi műveltség és a döntéshozatal javítására, és ezáltal a pénzügyi stabilitás fokozására.
Hivatkozások
Agarwal, S., et. al. (2009): The Age of Reason: Financial Decisions over the Life Cycle and Implications for Regulation. Brookings Papers on Economic Activity, Washington DC: The Brookings Institution, (2), pp 51–101. https://doi.org/10.1353/eca.0.0067
Almenberg, J., Dreber, A. (2011): Gender, Stock Market Participation and Financial Literacy. SSE/EFI Working Paper Series in Economics and Finance. No 737. Stockholm School of Economics Economic Research Institute, pp 140-142. https://doi.org/10.1016/j.econlet.2015.10.009
Arrondel, L., Debbich, M., Savignac, F. (2012): Stockholding and Financial Literacy in the French Population. International Journal of Social Sciences and Humanity Studies, SOBIAD.ORG, 4(2), pp 285–291.
Brokesova, Z., Cupak, A., Gueorgui, K. (2017): Financial Literacy and Voluntary Savings for Retirement in Slovakia. Working paper NBS, 10/2017. Bratislava: National Bank of Slovakia.
Beckmann, E. (2013): Financial Literacy and Household Savings in Romania. Numeracy: Advancing education in quantitative literacy, National Numeracy Network, 6(2). http://dx.doi.org/10.5038/1936-4660.6.2.9
Bernheim, D. (1995): Do Households Appreciate Their Financial Vulnerabilities? : An Analysis of Actions, Perceptions, and Public Policy. Tax Policy and Economic Growth, Washington, D.C.: American Council for Capital Formation, pp 1–30.
Bumcrot, Ch., Lin, J., Lusardi, A. (2013): The Geography of Financial Literacy. Numeracy: Advancing Education In Quantitative Literacy, National Numeracy Network, 6(2). http://dx.doi.org/10.5038/1936-4660.6.2.2
Calvet, L., Campbell, J., Sodini, P. (2007): Down or Out: Assessing the Welfare Costs of Household Investment Mistakes. Journal of Political Economy, Chicago: The University of Chicago Press, 115(5), pp 707–747. https://doi.org/10.1086/524204
Campbell, J. (2006): Household Finance. Journal of Finance, Wiley, American Finance Association, 61(4), pp 1553–1604. https://doi.org/10.1111/j.1540-6261.2006.00883.x
Carmel, E., et al. (2015): Facing a Biased Adviser While Choosing a Retirement Plan: The Impact of Financial Literacy and Fair Disclosure. The Journal of Consumer Affairs, New Jersey, USA : Wiley Periodicals, Inc, 49(3), pp 576–595. https://doi.org/10.1111/joca.12083
Disney, R., Gathergood, J. (2012): Financial Literacy and Consumer Credit Portfolios. Working Paper 12/06. Nottingham, UK: University of Nottingham Centre for Finance and Credit Markets, pp 2246-2254. https://doi.org/10.1016/j.jbankfin.2013.01.013
de Bassa Scheresberg, C. (2013): Financial Literacy and Financial Behavior among Young Adults: Evidence and Implications. Numeracy: Advancing Education in Quantitative Literacy, Florida, USA: Scholar Commons, 6(2). http://dx.doi.org/10.5038/1936-4660.6.2.5
Fornero, E., Monticone, Ch. (2011): Financial Literacy and Pension Plan Participation in Italy. Journal of Pension Economics and Finance, Cambridge, UK: Cambridge University Press, 10(4), pp 547–64. https://doi.org/10.1017/S1474747211000473
Goodman, L., Kruskal, W. (1954): Measures of association for cross classifications. Journal of the American Statistical Association, Taylor & Francis Group, 49(268), pp 732–764. https://doi.org/10.1080/01621459.1954.10501231
Guiso, L., Viviano, E. (2015): How Much Can Financial Literacy Help? Review of Finance, Oxford University Press on Behalf of the European Finance Association, 19(4), pp 1347–1382. https://doi.org/10.1093/rof/rfu033
Hilgert, M., Hogarth, J., Beverly, S. (2003): Household Financial Management: The Connection Between Knowledge and Behavior. Federal Reserve Bulletin. Washington, DC : Board of Governors of the Federal Reserve System (U.S.), 89(7), pp 309–322.
Chajdiak, J. (2013): Analysis of questionnaire data. Bratislava: Statis.
Christelis, D., Jappelli, T., Padula, M. (2010): Cognitive Abilities and Portfolio Choice. European Economic Review, Elsevier, ScienceDirect, 54(1), pp 18–38. https://doi.org/10.1016/j.euroecorev.2009.04.001
Kimball, M., Shumway, T. (2006): Investor Sophistication and the Participation, Home Bias, Diversification, and Employer Stock Puzzles. USA: University of Michigan. http://dx.doi.org/10.2139/ssrn.1572866
Kucserova, J., Strachotova, A. (2019): Results of the third wave of surveys on household finances and consumption (HFCS). 1/2019, Bratislava: NBS.
Kucserova, J., Strachotova, A., Suster, M. (2019a): The misery of financial (il)literacy: Analytical commentary. Bratislava: NBS.
Lusardi, A. (2011): Americans’ Financial Capability: NBER Working Paper Series. Working Paper 17103. Cambridge, USA: National Bureau of Economic Research.
Lusardi, A., Mitchell, O. (2007): Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education. Business Economics, Washington, DC: National Association for Business Economics, 42(1), pp 35–44. https://doi.org/10.2145/20070104
Lusardi, A., Mitchell, O. (2014): The Economic Importance of Financial Literacy: Theory and Evidence. Journal of Economic Literature, United States: American Economic Association, 52(1), pp 5–44. https://dx.doi.org/10.1257/jel.52.1.5
Lusardi, A., Tufano, P. (2015): Debt Literacy, Financial Experiences, and Overindebtedness. Journal of Pension Economics and Finance, Cambridge, UK: Cambridge University Press, 14(4), pp 332–368. https://doi.org/10.1017/S1474747215000232
Moore, D. (2003): Survey of Financial Literacy in Washington State: Knowledge, Behavior, Attitudes, and Experiences. Technical Report 03-39. Washington: Washington State University, Social and Economic Sciences Research Center. doi:10.13140/2.1.4729.4722
Mottola, G. (2013): In Our Best Interest: Women, Financial Literacy, and Credit Card Behavior. Numeracy: Advancing Education in Quantitative Literacy, Florida, USA: Scholar Commons, 6 (2). http://dx.doi.org/10.5038/1936-4660.6.2.4
NUCEM. (2020): PISA, Cycle 2018: The first results of the international research of 15-year-old pupils in the field of financial literacy PISA 2018 from the perspective of Slovakia.
OECD. (2019): PISA 2018 Assessment and Analytical Framework: Financial Literacy Framework, PISA, Paris: OECD Publishing. https://doi.org/10.1787/b25efab8-en.
OECD. (2020): PISA 2018 Results (Volume IV): Are Students Smart about Money? Paris: OECD Publishing. https://doi.org/10.1787/48ebd1ba-en
OECD. (2005): Recommendation on Principles and Good Practices for Financial Education and Awareness: Recommendation Of The Council. Paris: Directorate for Financial and Enterprise Affairs.
Rutledge, S., et al. (2010): Good Practices for Consumer Protection and Financial Literacy in Europe and Central Asia: A Diagnostic Tool. ECSPF Working Paper 001. Washington, DC: The World Bank.
Stango, V., Zinman, J. (2009): Exponential Growth Bias and Household Finance. Journal of Finance. Wiley, American Finance Association, November, 64(6), pp 2807–49. https://doi.org/10.1111/j.1540-6261.2009.01518.x
Utkus, S., Young, J. (2010): Financial Literacy and 401(k) Loans. In Mitchell, O., Lusardi, A. (2011). Financial Literacy: Implications for Retirement Security and the Financial Marketplace. Oxford/New York: Oxford University Press, pp 59–75. https://doi.org/10.1093/acprof:oso/9780199696819.003.0004
Office of the Government of the Slovak Republic. The role of the state and the public sector [online]. Retrieved May 14, 2023, from https://www.vlada.gov.sk//uloha-statu-a-verejneho-sektora/
van Rooij, M., et al. (2012): Financial Literacy, Retirement Planning and Household Wealth. The Economic Journal, Oxford, UK: Blackwell Publishing Ltd, 122(560), pp 449–478. https://doi.org/10.1111/j.1468-0297.2012.02501.x
Taylor-Powell, E. (1998): Questionnaire Design: Asking Questions with a Purpose. Madison: University of Wisconsin-Extension Cooperative Extension Service Cooperative: Program Development and Evaluation.
Terek, M., Krocity, P. (2015): Analysis of association between ordinal variables in statistical surveys. Economic review. Bratislava: University of Economics in Bratislava, (44), pp 47–57.
van Rooij, M., Lusardi, A., Alessie, R. (2011): Financial Literacy and Stock Market Participation. Journal of Financial Economics. Elsevier, ScienceDirect, 101(2), pp 449–472. https://doi.org/10.1016/j.jfineco.2011.03.006
Yoong, J. (2010): Financial Illiteracy and Stock Market Participation: Evidence from the RAND American Life Panel. In Mitchell, O., Lusardi, A. (2011). Financial Literacy: Implications for Retirement Security and the Financial Marketplace. Oxford/New York: Oxford University Press. pp 76–97. https://doi.org/10.1093/acprof:oso/9780199696819.003.0005
Letöltések
Megjelent
Folyóirat szám
Rovat
License
Copyright (c) 2025 Pénzügyi Szemle
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors assign copyright to Pénzügyi Szemle / Public Finance Quarterly. Authors are responsible for permission to reproduce copyright material from other sources.
