Financial Literacy and Household Saving and Borrowing Behavior: An International Comparison of Japan, China, India, and the United States

金融素养与家庭储蓄和借贷行为：日本、中国、印度和美国的国际比较

• 批准号: 23730274
• 负责人: SEKITA Shizuka
• 金额: $ 1.75万
• 依托单位: Kyoto Sangyo University
• 依托单位国家: 日本
• 项目类别: Grant-in-Aid for Young Scientists (B)
• 财政年份: 2011
• 资助国家: 日本
• 起止时间: 2011 至 2013
• 项目状态: 已结题
• 来源: https://kaken.nii.ac.jp/grant/KAKENHI-PROJECT-23730274/
• 关键词: 金融リテラシー; 貯蓄; 資産蓄積; 貯蓄計画; 株式保有; 金融教育; 老後計画

The level of financial literacy is not high in Japan.Although a majority of respondents were able to correctly answer a simple question about interest rates, more than half were not able to correctly answer a question about risk diversification. Many respondents stated they did not know the answer to the financial literacy questions, which might indicate that Japanese are very cautious and only answer when confident in their response.In addition, I found that women, the young, and those with lower incomes and lower educational attainment have the lowest levels of financial literacy. Moreover, I found that financial literacy increases the probability of having a retirement savings plan, increases the probability of holding equities, and leads to higher wealth accumulation.

日本的金融知识水平不高。尽管大多数受访者能够正确回答一个关于利率的简单问题，但超过一半的人无法正确回答有关分散风险的问题。许多受访者表示，他们不知道金融知识问题的答案，这可能表明日本人非常谨慎，只有在对自己的回答有信心时才会回答。此外，我发现女性、年轻人和收入较低、教育程度较低的人的金融知识水平最低。此外，我发现金融知识增加了退休储蓄计划的可能性，增加了持有股票的可能性，并导致了更高的财富积累。

项目成果

Financial literacy and retirement planning in Japan

• DOI: 10.1017/s1474747211000527
• 发表时间: 2011-10-01
• 期刊: JOURNAL OF PENSION ECONOMICS & FINANCE
• 影响因子: 1.2
• 作者: Sekita, Shizuka

Financial Literacy and Wealth Accumulation : Evidence from Japan

金融素养和财富积累：来自日本的证据

• 发表时间: 2013
• 期刊: 京都産業大学経済学部ディスカッションペーパー
• 作者: 黒崎卓;和田一哉;和田一哉;関田 静香
• 通讯作者: 関田 静香

Financial Literacy and Wealth Accumulation: Evidence from Japan

金融素养和财富积累：来自日本的证据

• 发表时间: 2013
• 期刊: 京都産業大学経済学部Discussion Paper Series
• 作者: 黒崎卓;和田一哉;和田一哉;関田 静香;Shizuka Sekita
• 通讯作者: Shizuka Sekita