Interviewer Effects and the Measurement of Financial Literacy
Interviewer Effects and the Measurement of Financial Literacy
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访谈者效应和金融素养的测量
DOI：
10.1111/rssa.12617
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发表时间：
2021
期刊：
影响因子：
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通讯作者：
Crossley T
中科院分区：
文献类型：
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作者：
Crossley T
在本文中，我们询问访谈者是否会影响一组标准的金融素养调查问题的答案。我们研究来自德国家庭财务小组 (PHF) 财富调查的数据。我们可以通过调查获得广泛的辅助数据，包括采访者标识符、采访者的背景特征以及采访者活动的衡量标准。我们发现，访谈者效应解释了金融素养得分方差的很大一部分，并且金融素养得分的访谈者内部相关性明显大于其他调查变量。我们探讨了如何考虑访谈者的影响来改善对金融知识对金融行为和结果的影响的估计。
In this paper, we ask whether interviewers influence the answers to a standard set of survey questions on financial literacy. We study data from Germany's wealth survey, the Panel on Household Finances (PHF). We have access to extensive auxiliary data, including interviewer identifiers, background characteristics of interviewers and measures of interviewer activity through the survey. We find that interviewer effects explain a significant fraction of the variance of the financial literacy score, and intra-interviewer correlations are notably larger for the financial literacy score than for other survey variables. We explore how accounting for interviewer effects can improve estimates of the effects of financial literacy on financial behaviours and outcomes.