人格特征、金融素养与养老规划的关系研究

发布时间：2018-04-24 03:12

本文选题：人格特征 + 金融素养　；参考：《东南大学》2017年硕士论文

【摘要】：养老规划(Retirement Planning)贯穿于人们的职业生涯和退休后的余生,最终目标是实现老有所养的生活状态。养老规划行为的选择,除了受到传统变量的影响之外,在很大程度上由两方面因素决定。一方面来源于人格特征(Personality Traits),另一方面来源于金融素养(FinancialLiteracy)。人格特征是指相对持久的思维、感受和行为的模式,反映了在特定情境下作出特定反应的倾向;而金融素养是指人们对金融市场、金融知识的了解程度,它是人们长期以来接受金融教育而形成的客观知识和能力。个体身上存在的主观心理特征和客观金融素养共同决定着人们是否会选择主动养老行为。本文基于已有的研究成果和相关的经济理论,对人格特征、金融素养、养老规划行为三者之间的联系与内在影响机制提出假说,采用清华大学中国金融研究中心的中国城镇家庭消费金融调研数据,参考大五人格分类标准构造了人格特征变量,研究了"大五"人格对养老规划行为的影响;在此基础上引入了金融素养指标,通过构建中介效应模型研究了金融素养对养老规划行为产生的中介效应,从而验证提出的假说。研究发现,"大五"人格中,只有严谨性维度下的事业心(即"严谨性-事业心")和宜人性维度下的信任感(即"宜人性-信任感")对养老规划行为和金融素养(包括主观金融素养和客观金融素养)有显著影响;金融素养对人们的养老规划行为存在显著性的影响;人格特征具有稳定性,它会通过金融素养的中介效应对养老规划行为产生影响。其中,"严谨性-事业心"人格会通过金融素养(包括主观金融素养和客观金融素养)的完全中介效应对养老规划行为产生影响;"宜人性-信任感"会通过金融素养(包括主观金融素养和客观金融素养)的部分中介效应对养老规划行为产生影响。因此,关注人格特征,加强金融教育对社会及个人的养老保障都有重要的意义。
[Abstract]:Retirement planning runs through people's career and the rest of their lives after retirement, and the ultimate goal is to realize the state of life of the elderly with a sense of security. Besides the influence of traditional variables, the choice of pension planning behavior is largely determined by two factors. On the one hand, it comes from personality traits, on the other hand, it comes from financial literacy. Personality traits refer to the relatively lasting patterns of thinking, feeling and behavior, which reflect the tendency to react in specific situations, while financial literacy refers to people's understanding of financial markets and financial knowledge. It is the objective knowledge and ability that people have received financial education for a long time. The subjective psychological characteristics of individuals and objective financial literacy together determine whether people will choose active pension behavior. Based on the existing research results and relevant economic theories, this paper puts forward a hypothesis about the relationship and internal influence mechanism among personality characteristics, financial literacy and pension planning behavior. Based on the survey data of Chinese urban household consumption finance from China Financial Research Center of Tsinghua University, and referring to the classification standard of Big five Personality, this paper constructs personality characteristic variables, and studies the influence of Big five personality on pension planning behavior. On this basis, the financial literacy index is introduced, and the intermediary effect of financial literacy on pension planning behavior is studied through the establishment of intermediary effect model, which verifies the hypothesis put forward. The study found that in the Big five personality, There is only a sense of commitment (i.e. "rigour-career") in the dimension of rigour and a sense of trust in the dimension of humanity (that is, "suitably humanity-trust") in relation to pension planning behavior and financial literacy (including subjective financial literacy and objective gold). Financial literacy) has a significant impact; Financial literacy has a significant impact on people's pension planning behavior; personality characteristics have stability it will affect pension planning behavior through the intermediary effect of financial literacy. Among them, the personality of "preciseness and ambition" will influence the pension planning behavior through the complete intermediary effect of financial literacy (including subjective financial literacy and objective financial literacy); Part of intermediation effect of raising (including subjective financial literacy and objective financial literacy) has an impact on pension planning behavior. Therefore, paying attention to personality characteristics and strengthening financial education are of great significance to social and individual old-age security.
【学位授予单位】：东南大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：B848;F832

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