Psychology: Techniques and Application

Psychology: Techniques and Application ›› 2018, Vol. 6 ›› Issue (8): 450-458.doi: 10.16842/j.cnki.issn2095-5588.2018.08.001

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The Definition and Triarchic Structure of Financial Literacy

  

  1.   (School of Sociology and Psychology, Central University of Finance and Economics, Beijing 100081, China)
  • Online:2018-08-01 Published:2018-08-21

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Abstract: Since the begging of economic research on financial literacy in 1990s, this field has made a great progress in empirical investigation. However, psychological research on financial values has been developing along an independent path. By now, there is no any fundamental theoretical breakthrough in integrating two approaches. In this paper, we first systematically review the previous literature of financial literacy, then integrate the two different human nature views (homo economicus vs. homo sociologicus) rooted in economics and psychology to reconceptualize financial literacy, and propose a triarchic structure: Financial literacy is a composite consisting of financial knowledge, financial capacities, and financial values.

Key words:  financial literacy, financial values, homo economicus, homo sociologicus, economic psychology  

CLC Number: 

  • B84-05
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