老年人金融素养的认知相关值
Gali H Weissberger1, Annie L Nguyen2, Aaron C Lim3
1Interdisciplinary Department of Social and Health Sciences, Bar-Ilan University, Ramat Gan, Israel.
Clinical gerontologist
|May 29, 2023
概括
像词汇和语义记忆这样的认知能力是老年人金融素养的关键. 教育没有改变这种关系,建议针对那些语言技能较弱的人进行有针对性的干预.
科学领域:
- 神经科学是一个神经科学.
- 认知心理学 认知心理学
- 老年学是一门学科.
背景情况:
- 财务素养对于老年人的福祉至关重要.
- 认知衰退可能会影响财务决策.
- 特定认知功能在金融素养中的作用需要进一步研究.
研究的目的:
- 调查老年人金融素养的认知相关性.
- 确定教育是否能缓和认知与财务素养之间的关系.
主要方法:
- 66名参与者完成了神经心理评估和财务素养评估.
- 多种线性回归模型被用来分析财务素养的认知预测因素.
- 对年龄,性别和教育水平进行控制的分析.
主要成果:
- 词汇知识 (图片词汇测试) 和语义记忆 (结晶复合分数) 与财务素养有显著的关联.
- 多语言命名测试也显示出一个显著的关联.
- 教育与认知措施在预测财务素养方面没有相互作用.
结论:
- 词汇和语义记忆是老年人金融素养的重要认知因素.
- 针对这些认知技能的干预措施可能会提高这一群体的财务素养.
- 识别词汇或语义技能较低的个人可能有助于早期发现财务素养缺陷.
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